The account was closed on 5/2001 because of an error at Discover card because I ended up with 2 different cards mailed to my house, so I cancelled one of them. This lists the details of the closed account. Now why is it still being reported as of 11/02 if it has been closed? I didn't even use this darn card,I had it cancelled as soon as I got it! and it keeps reporting a 0 balance. If Discover keeps reporting it then the date it drops off the report will keep getting pushed foward?? "This account is scheduled to continue on record until 11-2012." Last year at this time when I checked my Experian report it said "This account is scheduled to continue on record until 11-2011." Now its gonna be 2012!!!! Date Opened: 04/2001 Type: Revolving Reported Since: 05/2001 Terms: NA Date of Status: 11/2002 Monthly Payment: $0 Last Reported: 11/2002 Responsibility: Individual Credit Limit/Original Amount: $1,000 High Balance: NA Recent Balance: NA Recent Payment: NA Status Details: This account is scheduled to continue on record until 11-2012. Your statement : Account closed at consumer's request Balance History: $0 10/2002 $0 11/2001 $0 06/2001 $0 06/2001 $0 05/2001 $0 05/2001 Between 5-2001 and 10-2002, your credit limit/high balance was $1,000
I see YOUR statement says closed at consumer's request. I would give Discover a call and double check that they are showing the account is indeed closed. It looks like they might be reporting it as open. It is being considered a good TL, thats why it is showing stays on your record for 10 yrs.
Looking at where it says Balance History: $0 10/2002 $0 11/2001 There seems to be no activity for 1 year and suddenly in 11/02, Experian updated again. This is weird. My Equifax report that I pulled a year ago also shows that this account was closed at consumer's request. So that basically shows that it was indeed closed if 2 CRA's have the same info on it being closed. Even if it's closed and keeps updating has no negative impact whatsoever on my CR right? If I call Discover, what do I tell them about whats on my CR after they pull up my info and find that the account is closed? I don't what them to make an inquiry on my CR just to see for themselves.