Hello I was wondering if I have an account that is in good standing but was closed a year ago will effect my utilization. I'm PIF all my open accounts but I was wondering if I don't pay this one account off completely will my utilization still be 0? When it was open it was a revolving account....it's a Kay jewelers credit account.... Any info would be greatly appreciated! Thanks 
So the account is closed and still has a balance? Then yes, it is still affecting your util.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.