augiedog wrote:Discover does not report payments, they only report balances. That's how it shows on my report. Don't know about the others.
Discover reports that a payment was made ("OK" in the box...). A creditor can not report anything at all, and then the payment history shows as blank. BOA does that, and the next time they report, they don't fill in the gaps; most other creditors do.
What's probably happened to the OP is that either capital one forgot to say the account is closed, so it's there as an open account with no activity, or the account actually is open. I'd bet on the first, but who knows. I would do exactly nothing with it. It's helping your age of accounts, and anyone looking at the report will just disregard it, because this happens a lot. (In general, I think it's only fixing negative erroneous information. An account in good standing isn't going to hurt you.)