Frequent Contributor
TheConductor
Posts: 492
Registered: ‎07-24-2012
Re: So ashamed and devastated
[ Edited ]
And yes, the bill has been paid in full.

Then the good news is the closing of those cards should have minimal, if any, impact on your score. Assuming they even report the accounts at all, they won't report as charged off, just "closed by credit grantor".

 

Yes, on a manual review someone might have questions about it, but if they did you would have the best. explanation. ever!

 

Best of luck getting them to reinstate the accounts, though! That really would be the most just and fair resolution to this situation. If you run out of people to contact and still haven't gotten them to budge, ask around for some additional contacts...this board has a wealth of knowledge about specific creditor contacts that people will PM to you if you need it!

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