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Should I try to delete this acct?

Discussion in 'Credit Talk' started by kozman, Jul 8, 2002.

  1. Jul 8, 2002 #1
    kozman

    kozman Well-Known Member

    Is this tradeline hurting me/helping me/doing nothing to me?? Thanks for any input. It's the "UNRATED" that's bothering me. It should be positive.

    HRC
    Closed
    Updated 6/1994
    Opened 3/1991
    Closed 6/1993
    Status as of 6/1993 Unrated

    Balance 0
    Most owed 4442

    Installment account
    Secured
    Individual account
    Pay terms 48 Monthly $92
     
  3. Jul 8, 2002 #2
    kozman

    kozman Well-Known Member

    I don't know if it matters but this is my oldest account by a couple of years.
     
  4. Jul 8, 2002 #3
    kozman

    kozman Well-Known Member

    TU is the one reporting this. EQ and EX report it as a positive tradeline.
     
  5. Jul 8, 2002 #4
    30ftshadow

    30ftshadow Well-Known Member

    I would leave it. Supposedly, the length of time of your credit file effects the score. Dropping this account could drop your score.
     
  6. Jul 8, 2002 #5
    kozman

    kozman Well-Known Member

    Thanks. That's kind of what I figured. If it was any other CRA, I'd dispute the unrated notation but TU would just delete completely.
     

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