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Check the report to see if the status is reported as paid.

When I was going through our reports, I also reported some old installment loans that still showed a balance that they should report as $0. The CRA stated that as long as the status showed as closed or paid, it was fine, regardless of the balance sitting on the account.

I'm not sure if they verified with the original creditor, but the account remained on our reports, so we didn't lose the history.

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