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Question re: AAOA and Target

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Skye12329
Valued Contributor

Question re: AAOA and Target

So i have my Redcard still just sitting in the safe, its going to hit the 2 yr mark in December. Wondering does this card still report if its a 0 balance? Or if i closed it after say 10 more years and it had a 0 balance the whole time would it even show up on my reports like AAOA wise since it had a 0 balance and didnt report.

BK7 - 2/21
Cap1 QS - 2k (4/21)
Mission Lane - 4k (11/21)
Venmo - 900 (11/21)
SavorOne - 2500 (12/21)
VentureOne - 2000 (7/22)
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SunriseEarth
Moderator Emeritus

Re: Question re: AAOA and Target


@Skye12329 wrote:

So i have my Redcard still just sitting in the safe, its going to hit the 2 yr mark in December. Wondering does this card still report if its a 0 balance? Or if i closed it after say 10 more years and it had a 0 balance the whole time would it even show up on my reports like AAOA wise since it had a 0 balance and didnt report.


Usually TLs will report for ~10 after closure.  However, Cap One is known to delete their accounts ~10 after DOLA.   I'm not sure if any other lenders follow this same practice.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
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