If you look at the Credit At a Glance section of your FICO report summary, it lists the total revolving account balances. This includes both open and closed accounts that have a credit balance.
I dont know if closed accounts count as part of your available credit but if you maxed out every card and then closed the accounts, do you think that your utilization would be 0 and it would have no affect on your FICO score?
The best way to check this is to pull up your MYFico CR and look at the Score Simulator and see what your total outstanding CR balances are and see if it adds up. All my closed accounts now have a 0 balance so I cant check mine.
Message Edited by marty56 on
01-26-2008 10:05 AM
1/25/2021: FICO 850 EQ 848 TU 847 EX