I didn't get any answers to a specific question, so I'm making it more general. From reading this forum, it seems that old credit cards that show as open on a CR (when they are actually closed) should not be "fixed". However, what about other types of accounts? Specifically: 1) Student Loans that show as open with a balance? With $0 balance? 2) Installment loans and mortgage that show as open with a balance? With $0 balance? Thanks for any insight.