dlgone Posted December 28, 2007 Report Share Posted December 28, 2007 Hello and thanks for taking time to read my ramblings. I am in the process of repairing my credit. I have an account that was from a couple of years ago that "slipped through the cracks", so to speak. It was an account with HSBC BANK. I moved without a forwarding address. Don't recall the status of this account, but on reviewing my credit file it appears as:HSBC BANK TransUnion Experian Equifax Account No.: xxxxxx**** xxxxxxxx**** xxxxxxxx**** Condition: Closed (Paid) Closed (Paid) Closed (Paid) Balance: $0 $0 Type: Credit Card Credit Card Credit Card Pay Status: Current Current Current Remarks: [TransUnion] Closed [Experian] [Equifax] Closed or paid account/zero balance. Credit card TransUnion Experian Equifax Past Due: $0 High Balance: $741 $741 $5 Terms: Limit: $305 $5 Payment: $0 Opened: 08/09/2005 08/2005 08/2005 Reported: 02/28/2007 02/28/2007 02/2007 Responsibility: Individual Individual Individual Late Payments (last 7 years): TransUnion Experian Equifax 30 days late: 0 0 60 days late: 0 0 90 days late: 0 0The things that are worrying me:1) High Balance vs. Limit. Is this pulling down my FICO?2) Is it possible I left this account with a balance and a CA will pop up in the future?3) I dug out the actual card. It wasn't set to expire until late 2008. Is it possible this account was closed for non payment of monthly/annual fees? If so, can that come back to haunt me?4) If this account isn't effecting me in a negative way, is it best to leave it alone, even though the numbers are a bit "wonky"? Any positive TL only help at this point.5) Should I contact HSBC to see about getting this account re-instated so as to have a current open account with some history?Thanks in advance for any thoughts. I hope this is the appropriate sub-forum for this post. Link to comment Share on other sites More sharing options...
stefdr Posted December 28, 2007 Report Share Posted December 28, 2007 I can't see anything negative in the way it is reported. It shows closed and paid and current, and it doesn't show as being closed by the creditor.Contacting HSBC about getting the account re-instated couldn't hurt, it looks to me like a positive TL that has been closed. Link to comment Share on other sites More sharing options...
savymicheal Posted December 28, 2007 Report Share Posted December 28, 2007 There is nothing wrong with this account move on it is perfectly positive!!!!!!!!!!!!!!!! Link to comment Share on other sites More sharing options...
bigdaddyroy Posted December 28, 2007 Report Share Posted December 28, 2007 This is an a ok tradeline. I am sure you can find something else on your report to focus on other than this. Link to comment Share on other sites More sharing options...
dlgone Posted December 28, 2007 Author Report Share Posted December 28, 2007 Thank you for the assurances. Time to get to work on one of my other TL. Link to comment Share on other sites More sharing options...
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