Just want to know if this considered negative. Account Number: XXXXXX Acct Type: Revolving Charge Account Acct Status: Closed Monthly Payment: $0 Date Open: Dec, 1996 Balance: $0 Terms: Revolving High Balance: N/A Limit: $1,279 Past Due: $0 Remarks: Account in dispute-reported by subscriber Payment Status: Account transferred to another office This account is with kmart, I sent them a validation they sent me a letter asking for more info on the account in question, I provided more info and never heard from them again. SO I go to the CRA and dispute account and it comes back verrified, they sold the account to someone else but yet lef thte listing on my credit. By lookking at it I do not know if it is affecting or not, when I pulled myfico the account did not even have a dola and I disputed that and now they allegedlly verified and have a dola. If it is negative anithing else I should do other than suing them? According to the dola the accouns 7 years are up on may 2004, should I just let it go and concentrate my efforts on other accounts? Thanks
From what you've listed there I don't see anything negative about it. You didn't mention if it was showing 30 day or 60 day (or worse) late payments, but if not, then I'd leave it alone. The comment about it being transfered to another office would only be seen by a lender manually reviewing your credit report (such as for a mortgage), and frankly, even that comment isn't really a negative thing. HTH, Brett
Closed, 0$ Balance, 0$ Past Due looks like a positive account. Just monitor your CR's to make sure CA doesn't crawl out from under a rock and start reporting or re-aging the account
Thanks for the quick responces. Will leave it alone There are no lates etc being reported at this time.
