I agree with Hauling. It is not a problem. Open/closed have only the following FICO effects:
Open accounts have the distinct advantage that they still include your CL on that account in your % util, Closed accounts no longer contribute to CL, but unpaid balances still contribute against %utiil.
However, whether open or closed, the account still scores the same in your avg age for up to ten years after the account is closed. And closing an account does not remove prior derogs posted on that account.
So if you close an account in good standing, all you lose immediately is the CL of that account. You do not lose its age.
Bottom line: If the account is still appearing as open on your CR, and in good standing, that is only an advantage, so I would not complain.
Message Edited by RobertEG on
05-14-2008 11:12 PM