TU Credit Scoring

[simyengi]

Do closed credit card accounts with negative information factor into the TU FICO score? If so, wouldn't deletions change the score?

[pizzadude]

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@simyengi wrote:
Do closed credit card accounts with negative information factor into the TU FICO score? If so, wouldn't deletions change the score?

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Yes, all revolving accounts on your reports are factored into your FICO score.

When an account is deleted it might raise, lower, or not change your score at all ~ it depends on what else is on your report.

[simyengi]

Interesting. I'm going through credit repair and had one account update six late payments...got a ,20 pt jump. Now I have 23 late payments deleted and no movement? Perplexing. My credit file looks a lot cleaner.

[pizzadude]

It's likely that the other late pays / negatives on your report are keeping your score down ~ what are the derogatory items that remain?

[simyengi]

All from closed accounts, including Target and Capital One. Both were paid off earlier this year. I am not late on any accounts. These late payments occurred in 2011 and 2012. Student loans and Visa are current. My wife is adding me as an AU on a BoA credit card which has ten years of spotless history. I hope BoA actually reports it, however.