Anyone have insight into how disputes work? I have a 7 year old closed cc still reporting on my credit report. The issue is that it was closed by the grantor for non use.
I applied for a card and they are using that old closed card against me.
If I dispute the card on my report will the bank try to fight to keep it on my report? It is a closed card in good standing with just that note. A negative account would fall off at 7 years. A good account falls off after 10 years. So would they not bother trying to prove that it should be on my report?
Or is it not how it works.