Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
Re: Closing Aged Accounts.. Yes It Is Ok

Viking wrote:
Last week I disputed ownership of a revolving Citibank CC with Equifax and my ScoreWatch went up 7 points. This card apparently was opened on 11/2000 and closed on 12/2000 with 1 month reviewed. In a previous post, it was stated the length would be counted as a 7 years. However, a  7 point upward jump leads me to believe this statement is not the whole story. ScoreWatch directly attributed the change to this dispute. No other credit info changed. Thoughts?

There are some things FICO will not calculate while a TL is in dispute. That would explain the fluctuation.. not that fact that you closed an account (assuming the bal was $0 of course).