experian deleted my fleet credit account they claim my creditor said to delete off my credit file i still owe $40.00 and never been late!!!! will this affect my credit score???
It could negatively affect your score if your ratio of used credit to available credit decreases because the acct isn't showing. You need to call fleet and get to the bottom of this. I'll bet that fleet said no such thing.
OH OOPS I ALSO FORGOT TO ADD THE FLEET ACCOUNT WAS CLOSED BY CREDITOR 2 YEARS AGO BUT WAS ACTIVE BECAUSE I STILL HAD A BALANCE ON IT
I think the "closed by credit grantor" notation is considered a negative factor. Considering you have 12 other tradelines (are they positive?), you could do without the Fleet tradeline. Amex adjusted their tradeline with EQ for my closed Green & Optima account last month to "Paid / Closed by Credit Grantor" and my score went down 12 points!
