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Open/closed report question.


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On PG, it shows all three reports side by side. I have a few accounts that show open on EQ and closed on all the others. How should I handle that? Does it mean they could still be open? I have a lowes, layne bryant, capial one (that we settled for less then amount owed) lerner, and verizon. Which I haven't had a phone in years from them. I closed that account when we got a family plan through Alltel. All the reports show different amounts, dates, balnces. It is a mess. Any suggestions? Liz

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It is a hard call on the ones you know where settled - but still showing balance. It is your call on disputing. If they are positive right now (a creditor could easily assume they would of been paid & not know the true status of the account being settled instead). But if you dispute you might have two things result 1) it might get deleted or 2) it might get updated to show the ture status.

On the ones that would of been positive reporting but are now showing open w/ balance. Would first try to contact the creditor to point out to them they failed to update the CRAs. If you dispute with the CRA first - you run the risk of them being deleted.

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