I have a quick question, has anyone had a creditor closed acct reopened? They closed my extra points card about a year ago and am thinking about trying to get that one reopened. My credit has come a long way since they have closed it but the card still has a little balance on it. Anyway just pondering here I could always apply for another extra point acct i would imagine unless they dont allow two accts (even though one is closed).
(2/28/15 Starting FICO's EX= 685 TU= 689 EQ= 683 Goal=750 GARDEN- 3/3/2015 Last APP- 3/3/15)
You are not going to get them to re-open the card. If you want the card again you will have to app for it.
You say it still has a balance on it. Are you paying that balance off?
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
yes i am paying on it and paying it down, but when i went to pay down debt i started with OPEN cards first and kind of put this one on the back burner
I would continue to garden and raise those scores. After you pay that card off, you can reapply. But I don't think getting them to reopen the old one is a viable option.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.