I did the Citi BDD for myself and my wife back in December. Did it again 60 days later. Since we are both AU's on each others accounts, we both have a bunch of trade lines listed that were opened and then closed almost immediately. Other than making my report look confusing with all of those Citi listings, is this "dead wood" hurting us? Thanks
I have the same situation. I do not think mine will hurt or help my score much because the ones I cancelled are all 0 balance, paid never late, and closed by consumer. Though some are not listed as closed...so they show a 0 bal and do appear to show an active c/l. What I often wonder what is, "do the ones that are marked as closed, make it appear with FICO, that I opened and closed a tradeline within the first year". And if so, how is that negatively affecting my score. I have debated disputing them...but now that I am in the mid 700's, I feel like I don't want to mess with the RNG for a while ) -Peace, Dave
I disputed two closed tradelines from the bdd, and they were deleted. My equifax score went up six points. The tradelines never showed up on experian; I haven't disputed the ones on my tu report so I don't know if the deletion would affect the tu score in any way.
I wish I have choice to delete or keep such tradelines just by calling creditor or CRA's. Why not? If it's positive tradeline and have never been used or used for month or two I consider it as GARBAGE. So remove the garbage please...but they won't...is there anything in the FCRA about it ???
