008 · CREDIT REPORT COMMAND CENTER · checklist

Account Status Checker

Audit, compare, and organize manually supplied credit-report information.

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Use the source report and account agreement; status words can describe different facts.

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Open/current: account is active and no payment is presently past dueClosed: account is no longer open for new activity; balance may still remainPaid: reported balance is zero or the obligation is satisfiedCollection: an account is being reported by a collection companyCharge-off: creditor accounting status; it does not by itself explain ownership or balanceLate: identify the exact month and 30/60/90/120-day levelUnknown: compare bureau legend and contact the reporting company for meaningStatus is compared with statements, closure letters, and payment records

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Educational organization and calculation tool only. Verify inputs, rules, deadlines, and outputs before acting. FreeCreditBot is not a law firm, lender, credit bureau, or credit repair company.