Disputes and Accounts

Your credit report lists your open and closed accounts and their balances.

  • If you paid off an account balance, you may not see it reflected in your credit report until your next monthly statement
  • This is because reports are updated when lenders provide new information to credit reporting agencies and when consumer disputes and lender investigations are complete. .
  • Even if you closed an account, it will continue to appear on your report for 7-10 years

I see something I believe is inaccurate on one of my accounts. Can I fix it?

Each account on your credit report provides details such as open date, balance and payment status. You can dispute any of the details listed if they are incorrect. You can't dispute that an account still appears on your credit report after it's closed.

I paid off a balance, so why is the account still showing a balance on my credit report?

Credit reports update when lenders provide new information to the credit reporting agencies. You may not see changes reflected immediately in your report. Some lenders send updates more frequently than others, but it usually happens once a month. Learn more about how to read your credit report.

How long do closed accounts stay on my credit report?

Closing an account doesn’t remove it from your credit report immediately. An account that was in good standing with a history of on-time payments when it was closed will stay on your report for up to 10 years. That can help your credit score. Accounts with negative information may stay on your report for up to 7 years.

What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.

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