in privacyguard 3 bureau report. I have several accounts which show no problem whatsoever yet they are listed with moderate impact on score. They have 0 balances. Are these meaningful: e.g. Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: $0 Date Open: Apr, 1990 Balance: $0 Terms: Revolving High Balance: $1,600 Limit: $1,000 Past Due: $0 Remarks: Credit line closed-consumer request-reported by subscriber Payment Status: Current Acct Type: Revolving or Option Credit Card - Revolving Terms Revolving account Acct Status: Open Open Open Monthly Payment: $20 $20 $20 Date Open: Jul, 2002 Jul, 2002 Jul, 2002 Balance: $409 $409 $409 Terms: N/A Revolving Minimum High Balance: $0 $10,000 $0 Limit: N/A N/A N/A Past Due: $0 $0 $0 Remarks: CREDIT CARD N/A N/A
I don't know if this has any bearing on the situation at all, but I did notice that one has a high balance of $1600 while the limit was $1000. Maybe that has some impact? I'm not sure.
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