Errors on charge off paid less than full balance open credit card. Non reporting mortgage. Refinance soon.

Errors on charge off paid less than full balance open credit card. Non reporting mortgage. Refinance soon.
--------------------------
My credit scores are (638) experian (590 equifax) and (578 trans union).
(I’ve worked on my experian score for a bit.)

While they say you should not close open credit cards…I have several capital one cards that have
An “Open” status even though they list as “paid/less than full balance/charge off.” I paid these off two years ago.
Total number of open accounts for experian are 5, Equifax open accounts are “10” open accounts, thus I was thinking
Of closing the “open” capital one accounts, as I can see no real difference between experian and Equifax accounts other
Than 5 more open accounts.

I also noticed my home lender while lists on Equifax, reports no data N/a for payment history.
I am going to refinance in November for a better rate so I thought I’d start the process. I haven’t seen any info
On closing open credit card accounts that are in a charge off/paid less than full balance” status so thought I see what your
Opinion was.

Thanks for any input
--------------------------------
"majors@oskie.com" / to webmaster /
Dispute the errors with this form
http://www.oskie.com/credit-dispute.htm

A credit card cannot be open and charged off.

Capital One is not the credit one needs so close all of them you can. They report whatever you owe as being your high credit so your card is always maxed out. That is bad.

I would concentrate on making sure I had 3 open accounts that are being reported and wonder aloud why your mortagage is not showing details. I would call them. Now.