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Closed account. Not sure what is negative.


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I pulled my credit report and this showed up under "Adverse" (Transunion)

There was one 30 days late in Jan 2016.

Is that what is making this "adverse"? They said on the website they would put negative items in brackets but I don't see anything in brackets, I'm lost!

I can't remember why they closed the account but it says that Old Navy closed it. Can someone help me translate this? Thanks in advance...

SYNCB/OLD NAVY   $0 - - -  
ResponsibilityIndividual Account
Account TypeRevolving Account
Loan TypeCHARGE AC: 06/19/2018
Payment Received$0
Last Payment Made: 01/06/2017
High Balance$338
Credit Limit$400
Pay Status: Paid, Closed; was Paid as agreed
TermsPaid Monthly
Date Closed01/19/2018
Date Paid01/06/2017
RemarksCLOSED BY CREDIT GRANTOR; CLOSED
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If the only late was in January 2016 it should fall off next month. (the late payment info that is ) Looks like the same as my care credit you paid it off and they closed the account after reviewing your credit report.   

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11 hours ago, Bulldoger said:

If the only late was in January 2016 it should fall off next month. (the late payment info that is ) Looks like the same as my care credit you paid it off and they closed the account after reviewing your credit report.   

That makes sense...they did close on their own. They probably looked and were like "oh no...." :)

I'll wait and see what happens with the late in a month or two - I'm guessing it's not hurting it too much right now. As long as it's not reporting anything super negative. I definitely have some bigger issues to tackle. Thanks so much!

 

 

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