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Steamawayclean

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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.

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