i have two Cap 1 credit cards that have been closed for a few years.. both to drop off CR in the next 8-12 months.
they are not in collection (i mean no collection agency is harassing me, and none are listed on my Tru credit pull.) but, the cards are listed in collection/closed accounts.
Card 1 balance $1271 fall off credit report in 03/08
Card 2 balance $2221 fall off credit report in 07/08
these balances are killing my UTL%
