topic Re: Account Closed at Creditors request in Understanding FICO® Scoring

Account Closed at Creditors request

JohnDoe12 — Sun, 07 Aug 2011 17:53:53 GMT

This is a comment put in by the creditor.

Does this have an effect on my FICO score? If so, how much would it affect a score?

Thanks,

JD12

Re: Account Closed at Creditors request

MarineVietVet — Sun, 07 Aug 2011 19:06:19 GMT

@JohnDoe12 wrote:
This is a comment put in by the creditor.

Does this have an effect on my FICO score? If so, how much would it affect a score?

Thanks,
JD12

Whetther the account is closed by you or the creditor has no effect on your score.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Account Closed at Creditors request

JohnDoe12 — Sun, 07 Aug 2011 21:31:21 GMT

Is there a way to get the creditors comment out of there?

Thanks,

JD12

Re: Account Closed at Creditors request

Booner72 — Sun, 07 Aug 2011 21:37:35 GMT

I doubt it - as long as the closed account is not affecting your overall utility, closed will not matter. I have a Dell Computer account for 1500 dollars that I didnt even know I had until I got my credit reports! It says closed by creditor, but it still looks like a good account so i'm happy about it.

Re: Account Closed at Creditors request

Booner72 — Sun, 07 Aug 2011 21:37:54 GMT

PS: The limit was 1500 and nothing was ever charged.

Re: Account Closed at Creditors request

MarineVietVet — Sun, 07 Aug 2011 22:04:40 GMT

@JohnDoe12 wrote:
Is there a way to get the creditors comment out of there?

Thanks,
JD12

Even if it's possible (and I don't know if it is) I'm not sure why you would go through the effort of getting it removed if it doesn't mean anything to your scores.