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That time my credit report showed a paid-off car loan from 2012 as 'open'
It was a Tuesday morning in Chicago, and I was checking my score before applying for a new card. My score had dropped 40 points overnight. I called the credit bureau and they said the old loan was still reporting as active. I had to mail them a copy of the final payment receipt from my bank to get it fixed. Has anyone else had a closed account randomly pop back up like that?
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blair_lewis855mo ago
Credit bureaus handle millions of accounts and mistakes happen. A single old loan showing open is a minor error in a huge system. It got fixed when you provided proof, which is how the process is supposed to work.
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taylorb945mo ago
How long did it take for them to actually update your report after you mailed the proof? I've heard of people getting stuck in a loop where they fix it and then the same error comes back from a different data furnisher a few months later. The system seems designed to create these ghosts.
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