Question Closed accounts.

[Anonymous]

Do Closed accounts affect your score? And if so how much if they have a balance?

[nothingman02]

OC a/cs closed or open effect your score. What kind of an a/c is it? If its a CC, if its got a balance, it would be a negative effect as the CL would be zero.

[Anonymous]

It's three collection accounts two from Express telephone, that I'm disputing they were opened in the same month and close one month later with different balances. The other is a utility bill. They have not be charged off. They show as closed as of 03/09 and 02/2009

[RobertEG]

Maybe I am missing the point, but if none of these are open OC accounts, I dont see any consumer account that you can close.

If the account was placed into collection or charged off, the OC has already closed the account to your use.

A consumer cannot "close" a colllection or OC reporting account other than by reaching payment accord.  And that does not remove it from credit scoring.