las date listed 10-99, transfered to different lender. should they be removed now

Bo,
I read your website today and I have several questions for you regarding my credit report.
What is the most favorable “pay status” that you can receive on your report, is it “current?
A few years ago I closed many credit card accounts after paying off their balance. I was unaware, until today, that this was worse for my credit. I have many accounts listed on my report that say that consumer requested account closed. Is there anything I could and should do? Of few of the accounts should be coming off the report as of 10/07. Should I reopen them even if they have a zero balance?
I have several student loan accounts that all have zero balances and are closed. The last date listed on the report is for 10/99, however they have “transferred to different lender” on them. Shouldn’t they be removed by now?
I have a listing for a credit card where it says “bad debt, charge off, collection” on it. I think the balance on it may have been $1,126. It was closed July 2003. Should I reopen the account and pay off the balance?

Right now my credit scores are – Transunion-637; Experian -643; and Equifax -576.

Live Human
Bo Majors
To LIVE HUMAN
Jan 18
1. current, zero balance, no lates
2. It is not bad for your credit if you pay them off before you close them
3. if 10/99 is date of last activity then it should come off and you'll be done with it
4. yes you should if you can
something has happened on the equifax that hasn;t on the others. The 640's are ok and i wouldn;t be too concerned