jlt071997 Posted June 6, 2007 Report Share Posted June 6, 2007 O.K. I pull mt true credit report today, my account with Crown Jewelers is reporting with experian "Closed" Paid $0 Balance. I opened this in 12-05 hoping to rebuild. Bought something, paid it back on time, now they have closed account. What do I do now that I have lost that positive TL? It's still showing "opened" with Eq and tu. This Closed thing has dropped my score. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted June 6, 2007 Report Share Posted June 6, 2007 O.K. I pull mt true credit report today, my account with Crown Jewelers is reporting with experian "Closed" Paid $0 Balance. I opened this in 12-05 hoping to rebuild. Bought something, paid it back on time, now they have closed account. What do I do now that I have lost that positive TL? It's still showing "opened" with Eq and tu. This Closed thing has dropped my score.You have to buy something I believe. I saw that they will not report inactive accounts. Link to comment Share on other sites More sharing options...
jlt071997 Posted June 7, 2007 Author Report Share Posted June 7, 2007 I haven't bought anything since 12-05, but it's always been open. Do you think they will close it w/other cra's. Should I call them and try to reopen?Thanks! Link to comment Share on other sites More sharing options...
Macwench Posted June 7, 2007 Report Share Posted June 7, 2007 I'd try to reopen, but I bet you'll need to buy something first. Hate to lose a good tradeline. Link to comment Share on other sites More sharing options...
jlt071997 Posted June 7, 2007 Author Report Share Posted June 7, 2007 Yeah, but most of their stuff is CRAP! Guess I'll try to find a charm or something! HA! Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted June 7, 2007 Report Share Posted June 7, 2007 Yeah, but most of their stuff is CRAP! Guess I'll try to find a charm or something! HA!Buy a $36 braclet, it's worth the TL. Link to comment Share on other sites More sharing options...
HamptonCredit Posted June 7, 2007 Report Share Posted June 7, 2007 For the long term you should look at getting a credit card from a bank, even if it has a low limit. You don't want to have to keep spending money in order to maintain a positive tradeline. Link to comment Share on other sites More sharing options...
jlt071997 Posted June 7, 2007 Author Report Share Posted June 7, 2007 I am au on 3 cc w/hubby, have 1 unsecured $10,000 loan with bank 4 pymts so far, on time, 1 $1000 unsecured loan with finance co. 11 pymt on time. I know the au thing probably won't help anymore, since reading the posts. Utilization is @ 4%.Will that work? Link to comment Share on other sites More sharing options...
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