Credit Report without Credit Score?
Recently I requested and received a free annual credit report. Instead of
getting reports from all three agencies I randomly selected Experian.
This is the first time I have seen my credit report. There are at least
two errors; my employer (they list someone that both Google and I have
never heard of), and they show an Amex card that I canceled a few years
ago as still open.
The Amex card shows a $55 dollar balance, which is the amount of the
annual fee. I canceled the Amex card three or four years ago. But on the
credit report the account shows "open", and even stranger, "never late".
Does Amex commonly do this, and should I bother to dispute it?
Last, I thought a three digit credit score was involved. I can find no
such score on the Experian report. Is that normal?
I check mine annually. All three major bureaus still showed the line of
credit open on a condo we sold two years ago, showed us owing $98,000,
open/never late. Reported it to all three, two changed it to
closed/paid, one changed it to open/paid/zero balance. Not quite sure
where they got that
Probably doesn't hurt anything unless you have too many credit card
accounts. But I'd still call AmEx to make sure they do show the account
as closed