I was the authorized user on an Amex Blue that my Fiance opened for me to use to pay off some debts. I put everything I needed to on it and paid it off within six months. It is being reported on my credit report as $1003 balance/ open. It is actually a $0 balance/ closed. We closed the card as soon as I paid it off. It has not been reported since 2/2003. Question: Is is worse to have a balance and open account or a zero paid never late and closed account? I want my score to rise and want to know if I should prompt them to investigate to get this to be taken care of faster.. Thanks!!
