I closed my CCB accounts, I had 2 of them. they have 3 accounts listed on my reports. I have account closed by consumer/zero balance letters. So lone behold, I apply for a car loan. I get denied, reason too much available credit for my income. So then I get my credit report from CSC Credit Services..........................................................DRUM ROLL............... CROOKS COUNTRY BANK has listed the accounts as Paid Account/Zero Balnce, they are not listed as closed and just paid account looks rather derogatory to me. So i pick up the phone call CCB, write down who I have talked to, tell them I have the letters in front of me and that I am sending them to the Credit Bureau. They say "I will put in a request to have it reported as zero balance/closed by consumer." Will this happen? I really don't think so, the response I got on the third card was you had a card lost or stolen. I told them that it should be listed that way then, I had the same problem with my Target account and they have it liste as lost or stolen card. So just how much of a fight am I going to have with them on their incidious little errors? Of course the errors in reporting were laced with malice and made to make my life hell because I refuse to have good credit and pay sub prime rates when I can just as easily get prime.