It sounds like they were closed, but not charged off. Once they have a $0 balance the only negative aspect would be via manual review, as you may have to answer questions as to why they were closed. But otherwise, your score should not be impacted by the reason for closing. People have their cards closed for inactivity all the time. As for their effect right now, they are killing your UTIL, because the balance factors, but not the credit limit.
Although a PFD is always a great choice to start with. I really don't see you having much luck with one on those 3. I think the GW process when they are paid would be more beneficial.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
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Shogun wrote:Although a PFD is always a great choice to start with. I really don't see you having much luck with one on those 3. I think the GW process when they are paid would be more beneficial.
If they are not charged off, which it doesn't sound like, would there be any reason to want them removed, other than a spotless manual review file? I have a 6 year old BOA card that I had closed but not C/O, and I had wanted it completely removed because I had a 60 and 90 day late, but they removed those, so now I'm pretty content with it helping my AAoA.
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