closed cc

[907grown]

Hey CC holders, let me rack your brain.  I have a secured card that I behaed badly with at one time.  The CL  was 230, last month I paid off the entire balance of 357.00. On my CR, the issuer reports the CL, balance, and has been reporting the the card is closed for months.  Just wondering if I can expect to see any bump in the score now that it is paid in full or will the fact that it is closed out weigh the PIF. It should be reporting sometime soon.  I paid it off 10/8, but I am just getting ancy.....

Thanks

[moondog7324]

The most important thing is you took care of this debt. You may see a small bump because your utilization has improved.  How much effect depends on other factors in your credit history. Do you have any "good" accounts still active?

[907grown]

Yes, have 2 cc and a line of credit thay are open, paid, paid most of my balances off last month. Already a 66 point gain since one reported.