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Regular Contributor
cowboyguy
Posts: 197
Registered: ‎07-26-2012
0

Does closing card remove inquiry?

 

I was thinking about closing one of my cards and was wondering if it would remove the two inquiries that I got on my CR (one at the time of applying the card a year ago and one at a CLI request)? This local bank started me off with $500 and after a year of maintaining the card, gave me just a $500 CLI and that too after a hard pull. I'm pissed off with this bank and wanted to close the card.

 

My second question: Even after closing the card, it accounts for in the length of credit history and AAoA for 10 years, correct?

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
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Re: Does closing card remove inquiry?

[ Edited ]

cowboyguy wrote:

 

I was thinking about closing one of my cards and was wondering if it would remove the two inquiries that I got on my CR (one at the time of applying the card a year ago and one at a CLI request)? This local bank started me off with $500 and after a year of maintaining the card, gave me just a $500 CLI and that too after a hard pull. I'm pissed off with this bank and wanted to close the card.

 

My second question: Even after closing the card, it accounts for in the length of credit history and AAoA for 10 years, correct?


No  Lol on 1st question yes to 2nd

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Established Contributor
calihlove75
Posts: 791
Registered: ‎05-16-2012
0

Re: Does closing card remove inquiry?

I was thinking about closing one of my cards and was wondering if it would remove the two inquiries that I got on my CR (one at the time of applying the card a year ago and one at a CLI request)? This local bank started me off with $500 and after a year of maintaining the card, gave me just a $500 CLI and that too after a hard pull. I'm pissed off with this bank and wanted to close the card.

 

I wish!!!

 

My second question: Even after closing the card, it accounts for in the length of credit history and AAoA for 10 years, correct?

 

Yes

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Member
waihao0405
Posts: 32
Registered: ‎02-21-2013
0

Re: Does closing card remove inquiry?

i wish closing card and getting declind remove inquiry but obv it doesnt LOL

and yes aaoa will stay for 10 years even ur account is closed

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HiLine
Posts: 3,176
Registered: ‎10-19-2012
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Re: Does closing card remove inquiry?


waihao0405 wrote:

 

and yes aaoa will stay for 10 years even ur account is closed


There is no guarantee on that.  :robotwink:

 

Regular Contributor
HeilFico
Posts: 237
Registered: ‎02-03-2013
0

Re: Does closing card remove inquiry?

I would hate to get a measly $500 after a HP. I don't blame you wanting to stop doing business with them altogether. Any baddies? Good score? Is their a manager or higher up you might be able to appeal to? 

 

 

 


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