Author Topic: Disputing closed old cc on Credit Report  (Read 335 times)

Offline EP123

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Disputing closed old cc on Credit Report
« on: January 27, 2020, 11:03:48 PM »
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.

Offline CountValentine

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Re: Disputing closed old cc on Credit Report
« Reply #1 on: January 27, 2020, 11:12:25 PM »
I applied for a card and they are using that old closed card against me.
Who is and how do you know? Sounds like #fakenews.
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Offline EP123

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Re: Disputing closed old cc on Credit Report
« Reply #2 on: February 05, 2020, 07:55:42 PM »
Who is and how do you know? Sounds like #fakenews.

Chase. Denied CC, recon said that having closed by grantor cards was a major factor.