Closed accounts count towards total credit?

[RobertEG]

A closed revolving credit account means that the account has been closed to the consumer making new purchases/charges.

Closing does not per se affect scoring; some other factor will determine scoring impact of various categories.

Under utilization scoring, the credit limit and balance, as well as the % util, continue to be scored as usual if the account continues to show a balance.  Once a closed account reaches $0 balance, either by payment of the debt or by sale of the debt to another party, the credit limit and balance as well as the associated % util is no longer scored.  However, if a balance remains, then % util continues to be scored.

[Anonymous]

OP, I would consider going to Experian and sign up for their trial for $1. That will paint a clearer picture for you in terms of what's actually going one. While I like CK for alerts and snapshop of your CR, they're not that helpful with other factors. just my thought on the matter. 

[Anonymous]

I'm experiencing something similar - I just last month removed my hubby as Authorized User on one of my CCs, and today on his TransUnion report through CreditWise (Cap1) it shows as follows:

Category: Open Accounts

Responsibility: terminated

Age: 3 years, 3 months

Credit Limit: 3,000

Credit used: 0%

Available Credit: $3,000

etc.

Under "available credit"  this $3,000 is definitely included in the total - his real available credit is only $4k, and the app is showing $7k.  This account is still open, BUT it is maxed out.  I took him off as an AU to reduce his utilization %, hoping it would help his score.  Of course now since he has an extra $3k in "available credit" his TU score jumped 54 points!  LOL!  We'll see how long this lasts before they fully correct the record.  Will be interesting to see how it goes.

[SouthJamaica]

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@itspaul wrote:
I have a 3 closed revolvers that are counting towards my total CL.
They have a zero balance, but it's helping in my favor to lower my utilization.
This is through Credit Karma so I'm not sure it's a specific to CK or TU?

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In FICO they are not being counted towards your total credit limits.