https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Account-Closed-still-making-payments/m-p/5044756#M542201 <P>Hello,&nbsp;</P><P>&nbsp;</P><P>I have a cc with BarclayCardUS that is closed, closed by credit grantor. The account has a balance. 2 years ago when I was unemployed for 6 months I couldnt afford any payments. Now, I have been making minimum payments for a year. Since the account is closed I would prefer to settle the debt. Barclay stated that my account is eligible for settlement. Do I have to stop making payments in order to be eligble for a settlement? Does a closed account that has a 74% positive payment history impat my credit? Does this balance count as part of my debt to income ratio and utlilization eventhoug the account is closed?&nbsp;</P> Sun, 10 Sep 2017 15:52:11 GMT CW83 2017-09-10T15:52:11Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Account-Closed-still-making-payments/m-p/5044756#M542201 <P>Hello,&nbsp;</P><P>&nbsp;</P><P>I have a cc with BarclayCardUS that is closed, closed by credit grantor. The account has a balance. 2 years ago when I was unemployed for 6 months I couldnt afford any payments. Now, I have been making minimum payments for a year. Since the account is closed I would prefer to settle the debt. Barclay stated that my account is eligible for settlement. Do I have to stop making payments in order to be eligble for a settlement? Does a closed account that has a 74% positive payment history impat my credit? Does this balance count as part of my debt to income ratio and utlilization eventhoug the account is closed?&nbsp;</P> Sun, 10 Sep 2017 15:52:11 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Account-Closed-still-making-payments/m-p/5044756#M542201 CW83 2017-09-10T15:52:11Z