AU Account Closing Counted as Chase 5/24?

[Anonymous]

Isn't 5/24 based on inquiries, not on reported accounts?  Since inquiries remain for 2 years, even if you close an account or remove an AU the inquiry would still remain until it falls off after 2 years.

Or do they look at the "open date" on each reported TL?

[bourgogne]

inqs mean nothing.  open date of the account and au's don't count to the extent they can be removed

[CreditCuriosity]

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@Anonymouswrote:

Isn't 5/24 based on inquiries, not on reported accounts?  Since inquiries remain for 2 years, even if you close an account or remove an AU the inquiry would still remain until it falls off after 2 years.

Or do they look at the "open date" on each reported TL?

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No not based on inquiries as an inquiry can lead to a TL or not.  It could just be for cable or a CLI, etc...  Just Revolving being CC

[simplynoir]

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@bourgognewrote:

inqs mean nothing.  open date of the account and au's don't count to the extent they can be removed

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And that's assuming you're successful removing the AU accounts. Some lenders as you alluded to earlier in the thread are harder to remove than others.

[bourgogne]

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@simplynoirwrote:

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@bourgognewrote:

inqs mean nothing.  open date of the account and au's don't count to the extent they can be removed

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And that's assuming you're successful removing the AU accounts. Some lenders as you alluded to earlier in the thread are harder to remove than others.

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right, chase wins this round.  so odd how inconsistent they all are.  an ax au reports in a week, a normal card in 2-3 cuts and an ax au is near impossible to have removed

[BronzeTrader]

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@simplynoirwrote:

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@bourgognewrote:

inqs mean nothing.  open date of the account and au's don't count to the extent they can be removed

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And that's assuming you're successful removing the AU accounts. Some lenders as you alluded to earlier in the thread are harder to remove than others.

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It is free to open a dispute and let Experian to handle it.

[simplynoir]

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@BronzeTraderwrote:

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@simplynoirwrote:

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@bourgognewrote:

inqs mean nothing.  open date of the account and au's don't count to the extent they can be removed

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And that's assuming you're successful removing the AU accounts. Some lenders as you alluded to earlier in the thread are harder to remove than others.

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It is free to open a dispute and let Experian to handle it.

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We understand that. Just that some even with a correct/legitmate excuse for removal are hard to remove for whatever reason whether it's the bureau's fault or the creditor's.