Transunion date closed/date paid

[DieTryon]

What is the difference on Transunion between Date closed and Date paid? Which date does FICO use?

On my report many of the accounts have BOTH dates for bk accounts. Should the closed/paid date be a month the bk date?

Also, does a blank space in the balance field have any impact on FICO?

ANY info would be greatly appreciated.

[LadynRed]

Also, does a blank space in the balance field have any impact on FICO?

No, don't believe it does.

Should the closed/paid date be a month the bk date?

Not necessarily. The closed date could be months or years before the BK date, and the same for the paid date.

What is the difference on Transunion between Date closed and Date paid?

Date closed is the date the account was closed by the credit grantor or by you. The date paid ..well..it's the last date any payment was made.