MOXI 0 Posted July 21, 2020 Report Share Posted July 21, 2020 Hello everyone, I am working on bettering my credit. I noticed on all my credit reports, that a credit card I am current with is being marked as a negative account. I pay the entire balance sometimes, sometimes I carry a balance paying over the minimum - - but I pay something every month. My balances are never over $300. Yet on the reports it says "current :payed as agreed" But it is in the negative accounts category. Why is this? Thank you. Quote Link to post Share on other sites
Harry Seaward 1,356 Posted July 21, 2020 Report Share Posted July 21, 2020 45 minutes ago, MOXI said: I noticed on all my credit reports, that a credit card I am current with is being marked as a negative account. Were you ever (within the last 7 years, anyway) 30+ days late on paying this card? Where are you getting your reports from? If this is some 3rd party thing like Credit Karma, forget about it. Get your reports directly from the bureaus (www.annualcreditreport.com is fine since the data is direct from the bureaus). Quote Link to post Share on other sites
MOXI 0 Posted July 22, 2020 Author Report Share Posted July 22, 2020 Hello Harry, it's been a lot of years... Possibly, yes, I may have been. I mailed in a form from each credit union(experian, Trans union,equifax and innovas) requesting a free report. Quote Link to post Share on other sites
alwayswinning36 13 Posted September 4, 2020 Report Share Posted September 4, 2020 That is an interesting issue. The only things I have ever had reported as negative really were accounts that were charged off, in the past or accounts in collections. Your best bet might be to contact the credit bureau and ask why it is listed as negative. If you ever have been late, and it is showing on the report that could be why. Quote Link to post Share on other sites
