I had a CCD that c/o in 1993, which after 7 years was deleted from CR. Now it has reappeared under the "reported w/ no adverse info" section showing 0 Bal and paid or pays as agreeing...BUT! They threw in the old "cancelled by creditor" !!! Should I dispute as not mine, or should I dispute as closed by me???
Depends on if you want it reporting or not. If it was me, I wouldn't want that closed by creditor notation either. You know what, I probably would dispute it as closed by ME. If that didn't work, send them an old copy of your report showing it was deleted, or what the old dates were. When they change an acct from negative to positive, it can now stay on your report for up to 10 years.
Thanks, LKH....I will dispute that as closed by me....this one is at the bottom of my list as I have BIGGER battles to fight!
