I apologize if this has already been discussed, but I didn't find it when searching the threads. My basic question is whether you can/should try to have closed accounts in good standing with no negative history report to other bureaus if the account is only reporting on one or two of your credit reports.
My EQ and TU reports are nearly identical as far as what is reporting. However, my EX report is much thinner. On EX, my student loans and a couple CCs are reporting. But my mortgage and most of my CCs including several closed accounts only report to EQ and TU. It's really all over the map on EX, e.g., some capital one accounts reporting to all three but some capital one accounts reporting to only EQ and TU.
My credit took a major plunge in 2008 due to unemployment. I have a six month stretch where seven accounts went 120 days past due, and a couple went 150. Thankfully, I started working again before anything was charged off and I avoided foreclosure on my mortgage. Everything is current and I havne't missed a payment since January of 2009. The nice part is that I am just now at the two year point for my major lates, so I have been seeing 10-15 point jumps at the end of every month.
Anyway, I have several CCs that are closed but with no negatives that don't report to EX. Should I cherrypick my EQ and TU reports and try to get the closed accounts that don't have any lates to report to EX. Will that help and is that even possible? I also have one open CC never late that isn't reporting to EX, but I figure I should definitely try to get that one on there, just not sure about what to do with the closed accounts.
Thanks in advance for the suggestions.
My current EQ FICO score is 678. I don't know TU. Since the report is so similar, I figure I'll just wait until the last late ages two years and see what my EQ score climbs to and then pull the TU. And I don't know my EX score (for obvious reasons but it probably doesn't help considering the advice I'm seeking).
Starting Score: ~500 (12/01/2008)
My fear would be that whoever at the CCC who gets stuck with reading mail would just delete the TL from all accounts. 
It has happened before, in a slightly different context (asking for GW on a late on a closed account.)
Mortgages (and Cap One CC's) are the only lenders who pull all three reports. I will grant you that a lot of good lenders seem to pull EX, but there are certainly those who don't. There's a lot to be said for just leaving things as is and letting your good history continue to accumulate.
If it were me, and I'm famously chicken, I wouldn't do it for fear of losing the closed accounts on everything. I just visualize $8/hour folks reading my requests and maybe not dealing with them as favorably and sensibly as I'd like.
Thanks for the advice. I'll leave it alone as you suggest for the closed accounts (that's probably what I wanted to hear anyway, easier for me 
).
Do you agree that I should try to get the open Capital One reporting to EX. Don't understand why they pull all three an report to all three for all of my Capital One accounts except for this one.
Thanks again.
