Closed Credit Card vs. Open Reporting

[nlove89]

Hello,

I'm wondering whether a closed credit card account reports the same way as a regular open account.  More specifically, if I pay my closed (due to delinquency) card off timely every month, will I see an increase in my score?   

[Anonymous]

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@nlove89 wrote:

Hello,

I'm wondering whether a closed credit card account reports the same way as a regular open account.  More specifically, if I pay my closed (due to delinquency) card off timely every month, will I see an increase in my score?   

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I think the scoring based on (On time vs Late Payments) is the same for both open and closed accounts. 

[Anonymous]

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@Anonymous wrote:

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@nlove89 wrote:

Hello,

I'm wondering whether a closed credit card account reports the same way as a regular open account.  More specifically, if I pay my closed (due to delinquency) card off timely every month, will I see an increase in my score?   

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I think the scoring based on (On time vs Late Payments) is the same for both open and closed accounts. 

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+1  also the late payments will still have the adverse affect on your score

[nlove89]

Thanks. That helps me with my decision whether to keep making payments or pay off the account in full!