topic Closed credit card accounts with a balance in Understanding FICO® Scoring https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Closed-credit-card-accounts-with-a-balance/m-p/31819#M6708 <DIV>Closed credit card accounts with a balance - would it help my score to reopen the accounts?</DIV> Thu, 12 Jul 2007 10:55:27 GMT Anonymous 2007-07-12T10:55:27Z Closed credit card accounts with a balance https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Closed-credit-card-accounts-with-a-balance/m-p/31819#M6708 <DIV>Closed credit card accounts with a balance - would it help my score to reopen the accounts?</DIV> Thu, 12 Jul 2007 10:55:27 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Closed-credit-card-accounts-with-a-balance/m-p/31819#M6708 Anonymous 2007-07-12T10:55:27Z Re: Closed credit card accounts with a balance https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Closed-credit-card-accounts-with-a-balance/m-p/31822#M6709 <DIV>It's possible, as it could bring down your overall utilization.&nbsp; Since the account is closed, there is no available credit, hence your utilization&nbsp; [because you still have a balance] is 100%.</DIV> Thu, 12 Jul 2007 11:31:46 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Closed-credit-card-accounts-with-a-balance/m-p/31822#M6709 Anonymous 2007-07-12T11:31:46Z