https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/66731#M9569 <DIV>How long does it take for an inactive account to no longer be counted in your % utilization?&nbsp; I received a notice from scorewatch saying that my utilization exceeded 33%, but according to my calculations I should be a lot closer to 25%.&nbsp;</DIV> Sat, 15 Sep 2007 17:11:47 GMT Anonymous 2007-09-15T17:11:47Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/66731#M9569 <DIV>How long does it take for an inactive account to no longer be counted in your % utilization?&nbsp; I received a notice from scorewatch saying that my utilization exceeded 33%, but according to my calculations I should be a lot closer to 25%.&nbsp;</DIV> Sat, 15 Sep 2007 17:11:47 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/66731#M9569 Anonymous 2007-09-15T17:11:47Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/67251#M9588 <DIV>Should be immediate. </DIV> Sun, 16 Sep 2007 19:28:39 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/67251#M9588 Tuscani 2007-09-16T19:28:39Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/67545#M9603 <DIV>Sorry, I meant to ask how long it takes for an account to become inactive.&nbsp; I have a number of accounts on my report that I haven't used in years, but they don't seem to say "inactive."</DIV> Mon, 17 Sep 2007 05:58:04 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/67545#M9603 Anonymous 2007-09-17T05:58:04Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/67582#M9605 <DIV></DIV> <DIV><BR /> <BLOCKQUOTE> <DIV> <HR /> smlala wrote:<BR /> <DIV>Sorry, I meant to ask how long it takes for an account to become inactive.&nbsp; I have a number of accounts on my report that I haven't used in years, but they don't seem to say "inactive."</DIV><BR /> <HR /> </DIV></BLOCKQUOTE><BR /> <DIV>Every CCC is different. Some want to see frequent activity to keep an account open. Others could care less. </DIV></DIV> Mon, 17 Sep 2007 14:30:47 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/67582#M9605 Tuscani 2007-09-17T14:30:47Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/67603#M9607 <DIV>One of my cards goes inactive if not used for 12 months</DIV> Mon, 17 Sep 2007 15:15:43 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inactive-Accounts-amp-Utilization/m-p/67603#M9607 MidnightVoice 2007-09-17T15:15:43Z