Credit Cards Center Credit cards from our partners
Frequent Contributor
Posts: 375
Registered: ‎03-26-2010

Closed account reporting

Is it normal to have a credit card that was closed to continue to report ok every month? Card that was closed in 2006 was last updated 11/11 as good, been closed since 2006. Is this normal?

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Mastercard | JCP | Kohl's | Conoco | Bloomingdales | Shell | CareCredit | Firestone | Walmart | Academy Sports Visa | Macy's | Target | Amazon | Gap | Norstrom | PepBoys | Von Maur | Chevron |
Frequent Contributor
Posts: 351
Registered: ‎01-07-2012

Re: Closed account reporting

I've wondered this too.  I have one I closed in 05 reporting closed but with 0 balance every month.

| EQ 763 |
| Amex BCE 7500 | Marriott Rewards Premier 5500 | Citi Simplicity 4000 | Discover IT 1700 |

Established Contributor
Posts: 768
Registered: ‎04-08-2011

Re: Closed account reporting

Closed account will continue to be on your report for ~10 years, and they still contribute to your AAoA

Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 277
Registered: ‎05-27-2009

Re: Closed account reporting

Guava wrote:

Closed account will continue to be on your report for ~10 years, and they still contribute to your AAoA

+ 1 


It's normal. This also helps maintain your AAoA. I think it's a common misconception that the account history is immediately lost once you close a card.  

Current Cards: Banana Republic Visa ($5,300), Chase Freedom ($2,000), Discover It ($11,500), Amex Costco True Earnings ($5,000), Chase Slate ($2,500)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.