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Question By
queenofusk

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Retailer Closed and the account was closed at that time. By the retailer, not by me.
I did not close this account as specified. The account was closed by retailer when they shut their doors. It still lists their name and says, "POOR".....They shut their doors 8 years ago, and I never had late payments with them.

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If it is more than 7 years old, it shouldn't be reporting at all. Dispute with the credit bureaus and they should remove it.

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It does matter who closed the account, the fact remains that it is closed.    TD20012 is correct, you should dispute the score with every bureau who still shows it to have it removed as it has passed the 7 year mark.   Although, if the credit report shows that it is closed with 100% on time payments, its actually a positive reference, why bother as it counts on some credit models (very few) as the average age of accounts.

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