Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Report
Profile Image

Question By

1 Contribution
4 People Helped
Disputing open accounts when they are closed
I recently started to try and rebuild my credit. I noticed my 2 reports on credit karma , for transunion and equifax had sone differences. I also got my free experian report for comparison. I noticed on transunion and experian I had 3 of my collections accounts that were listed as closed , but we're listed as open on equifax. Since they were listed as open on equifax and they were maxed and in collection and charged off, my utilization was 71% but 39% on the other 2 bureaus. Amd payments were 50% and 100%with the other 2 bureaus. So I called equifax to dispute that those 3 accounts have been listed as closed since 2012 on the other 2 bureuas. They said they would dispute and should be updated within 30 days. The question is , once these are closed they should not count towards payment history and credit utilization? It seems that's the case. I'm just wondering why 2 of thsee cards update the info almost every month as late yet they can't report them as closed . All these years it's been going against my credit score. I know it's a derogatory mark in collections but it seems unfair to leave it open. Because then it shows up as in collections, late payment history and utilization. After it is closed it should only show up in collections? And not under late payments and utilization? My credit has gone up 50 points in the last 6 months and I want to do what I can to fix it. The ccards have already been delinquent for 4+ years so I'm just gonna let them fall off in 7 at this point.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.