Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008

Re: Is this hurting my credit?

KingAdrock wrote:

If you ever have a live human being look at your CR, (i.e. a manual review) "Closed by consumer" does look better than "Closed by credit grantor". That being said, manual reviews are not too common nor does it appear to be substantial difference. But yes, as far as your FICO is concerned they are no different.


I've got a feeling that just about everyone on the planet will have that notation appearing somewhere on his/her credit report, given the credit climate of the past year and a half...I don't think even a manual reviewer would pay much mind to it at all, as the account was closed in good standing.

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on 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.