Personal Finance

CC:Closed by credit grantor ,repair credit question

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  • May 20th, 2015 4:53 pm
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[OP]
Member
User avatar
Dec 27, 2011
318 posts
30 upvotes
Stouffville

CC:Closed by credit grantor ,repair credit question

Hi guys
I have 1 CC showing "Closed by credit grantor", which i owed the bank b4, the date of last activity is 2011-07,
and one showing still under a collector, last payment is 2012-03
I want to know should i start fix my credit score now ? or i should wait until it disappear on my credit report after 6 years count from the last activity date ?

thanks
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2 replies
Deal Addict
User avatar
Dec 12, 2006
4354 posts
578 upvotes
Messed Up Area
Best to start fixing your credit but don't touch these two or contact them.

Get a secured card and have small bill paid each month and pay off ASAP and even get a cell phone and have it report, otherwise waiting till 2018 for these to drop.
Deal Addict
Aug 31, 2014
1505 posts
560 upvotes
YVR, BC
it will fall off your report 2017-07

depends on amount and how urgent it is for you?

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