Did they at least close it properly with the notation on your credit report? Saying closed by consumer so the credit line padding remains for years?
My wife has AN $18.5K LOC-Carf with them and I don't want to see that happen to her, But would not mind keeping the padding before a CLD. We used the full 18.5k and paid to 0 in 6 mos.
(Ch7 Discharged 12/12) AvgScore 807
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