Reopening a closed credit card??

llauren321 · ‎01-16-2013

Hello,

My oldest (and only "bad") credit card is from Bank of America- and it was closed last year by BoA due to 3 late payments in a row (hence, the "bad").

I'd like to ask if they could reopen this account, since I've been making payments on time for about a year now, and I'd like the age of this account to factor into my credit score.

Can this even happen? Is it a terrible idea?

Any advice is helpful!

~Lauren

Starting Score: 624
Current Score: 677
Goal Score: 700

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guiness56 · ‎01-16-2013

Was it CO'd?

I have seen it done before. All you can do is ask.

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llauren321 · ‎01-16-2013

Nope, it wasn't COed, I've been paying it. They just closed it so I couldn't use the card anymore. My credit report literally just says "Accounts closed by credit grantor"

Starting Score: 624
Current Score: 677
Goal Score: 700

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guiness56 · ‎01-16-2013

All you can do is ask. Some creditors are easier to work with than others.

Credit Scoring 101
Guide to Common Abbreviations
Other Frequently Requested Threads
Closing Credit Cards
Direct Dispute

Shogun · ‎01-16-2013

+1 What's it going to hurt?

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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