Credit Report Date Opened still on Credit Report!?
I am trying to raise my credit report. I have an old Dillards account of $1,207.00. Date opened was 05/1996. Says Bal. date of 5/05. It was reported in like 1999. They keep changing the balance date. I went online with the CSC and disputed the Bal. date. Can they keep changing the balance date on me? Do I just need to try to make small payments to them? I have read all types of things on consumer reporting and the credit bureau's but am still confused as to whether the companies can keep changing the balance date so they will stay on your report. Also, I have a tenant tracker that says date opened 05/2001. Balance date says 05/2004/ for $62.00. Do I need to pay that off if they will completed delete it from my CR? Last one is TXU Energy. Date Opened 04/1999 Balance Date 07/2005. Balance amt $690.00 High Limit $692.00. Says Account status as agreed Past due amt. $0 and comments Current Account. Is that good? I also have some less than $100 Collection Bal. Date 04? Should I pay?
Public Comments
- What Balance Date means basically the date, the balance was last reported to the credit bureau. Balance Date of 5/05 means that was the last date Dillards last reported your balance of $1207 to the credit bureau. By now, it probably is in collections if you have not paid anything on it in the mean time. Call Dillards about it. The tenant tracker account of $62; pay the thing off,then it can be reported as paid in full. It will then stay on your credit report for 7 years from date of last activity. The TXU Energy account, show as current account, sounds good, nothing bad with what your describing, except you have a balance to pay, but it is not past due. As far as the other collection accounts posted on your CR, pay them off, then they can be marked by the collection agency/creditor as paid/closed. Credit Report Date Opened, is the date that a credit account was first reported to the Credit Bureau on you. That will always be on your credit report. It's nothing bad.
