Do closed accounts count in utilization?

[Anonymous]

I only have one current open credit card account.  All of my other credit card accounts have either been closed by me or the creditor because I was once in a debt mgmt program (pay them they pay the creditors).  My question is do these accounts count in my utilization since they are not available credit?

[203bravo]

They would only count if they are showing a balance due. 

[Anonymous]

Im proof that happens.  I have about $300 on 4 cards and $924 on a closed card.  My CR keeps saying that I have $924 past due and it's hurting my payment history. 

[fused]

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Mjkestes wrote:

I only have one current open credit card account.  All of my other credit card accounts have either been closed by me or the creditor because I was once in a debt mgmt program (pay them they pay the creditors).  My question is do these accounts count in my utilization since they are not available credit?

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Hi and Welcome to the forums! Please read the closing credit cards link in my sig line.