How to remove closed accounts?

Submitted by Anonymous (not verified) on Thu, 05/28/2009 - 07:08
Forums

I was just wondering should I remove closed accounts from my CR. I have 3 credit card accounts they have been paid in full 5 years back and still showing on the report. Will removing the accounts change my score?

Hi Abbey,

Will removing the accounts change my score?

If the closed accounts are showing 0 balance on your credit report, I would suggest, you do not remove them from your credit report. When you are applying for new line of credit there will be hard inquiries from the creditors. Most creditors would like to see that you have repaid back your old accounts responsibly, without any missed payments.

Before extending credit, creditors often consider the length of your credit records. But closing the old accounts will shorten the length of your credit history. As such, it is better to keep old paid-off accounts open; this is to ensure that you have maintained a longer credit history.

Thu, 05/28/2009 - 08:27 Permalink

I will be possible if you closed your account & renewed it then your score will starting from 00. You can request to your lender or company to get help.

Thanks & Regards.

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Mon, 02/03/2020 - 00:29 Permalink
freddy (not verified)

Binary options involve predicting the movements of commodity, asset or index prices over a short time. Although they may be a legitimate financial product with many licenced firms trading in them, binary options are speculative, high risk products that are almost impossible to predict, even for professionals. There are groups of scammers who use binary options to steal your money.I would like to drop off few words about my negative and teaching experience with RBOptions company. Like many others, I was contacted by the broker in 2016, and, despite the fact I didn't have any knowledge about financial markets, got convinced by Peter Oaks, that I'll have all his assistance in order to make successful trades. Alright, sounds good, why not to try?After putting a large amount on my account, I’ve watched how my balance would go higher and higher. And , of course, seeing this “proof” of how I’m good at it, my manager Peter made me invest more over 50000 Euro. After a couple weeks of such magnificent trading, my account ended up over 340000Euro. An excellent opportunity to file a withdraw, no? No!! They released only 1500 in order to trick me invest more 100000. I didn’t have such money at the moment and I was put on hold....Weeks after nobody would even answer my calls or my emails. It became very clear, that I’ve become a victim of a huge and shameless scam. Time passed by and I was growing disappointed and very angry with my own naiveness.Only at August 2018 I came a recovery expert experts FASTFUNDSRECOVERY AT PROTONMAIL DOT COM, who works against binary criminals. It was a little hard to believe someone over the internet and phone again. So, I provided them with all documents related to my trading and waited. I got my money back, got trust in people back and I got my lesson!

Fri, 02/07/2020 - 19:41 Permalink
FERHAT_AMMAN (not verified)

I decided to give a shot at trading cryptocurrencies like bitcoin, ETH and ripple as I was surfing online, a google ad of the false trading and investment company popped and click on the ad. In about 5 mins or less, I got a call from Ms. Adelaide who walked me through the process of creating an account and then depositing a thousand dollars. From there, I deposited a total of sixteen thousand dollars and my profit was almost at forty thousand but I couldn't make a withdrawal of my profit. They kept asking for money for withdrawal like SIP Certificate, State tax charges and the likes, which I paid for but still couldn't get my funds. It dawned on me I was only shown simulated trades and no trading really took place. This scam lasted for four months. I found a recommendation to employ the services of a top wealth recovery company written by Harry Pitel and Paul snorff who are movie celebrities in Turkey who we swindled by HybridReserve and Cryptonxt but recovered their funds back! They sang the praises of {James.korr AT globalassetrecoup DOT com} a top penetration expert in the company who I then reached out to who intervened and helped repatriate my funds alongside some percentage of my profit. HYBRID RESERVE is a fraudulent company and they will make you question humanity. Stay away from the this false trading and investment company. Pardon my English as I am not a native speaker of English language.

Sat, 02/08/2020 - 14:41 Permalink
NIKLAS GOKE (not verified)

Back in (2018) I had made an investment with OMCmarkets, FXcryptoclub,Kontofx, Goldcfd & HotForex which was introduced to me by a friend who had invested and made solid returns from them without withdrawing profits. We were a chain of huge investors who only wanted to make enough to suit out lifestyles. I requested a withdrawal and I was denied. I became very worried and asked the rest of the people in the chain to do same. Little did we know that we had been played. We invested ( 670,000 Euro ) collectively. I had to seek help from a top International wealth recovery expert  { PAUL.WRIGHT at GLOBALASSETRECOUP dot COM } with a track record of such capacity to recover investments such as this. We all got (92%) of our investments back collectively. Please keep away from these companies as the experience with them was downright distasteful!! They do not even reply emails anymore. Pathetic thieves! (Niklas Goke).              Frankfurt, Germany 

Sat, 02/08/2020 - 15:08 Permalink
Safa Rojas (not verified)

I rarely share my story with people online and those I don't know, not only because it put me at the lowest point ever but because it made me a person of ridicule among family and some of my friends. I put all I had into Binary Options ($490,000) after hearing great testimonies about this new investment strategy. I was made to believe my investment would be triple, it started good and I got returns (not up to what I had invested). Gathered more and involved a couple family members, but I didn't know I was setting myself up for the kill, in less than no time all we had put ($620,000) was gone. It almost seem I had set them up, they came at me strong and hard. After searching and looking for how to make those scums pay back, I got introduced to Mr Chris a recovery agent who helped recover about 80% of my lost funds within a month and I was very happy so catch him up for your lost funds with Email address: Bitcoinretrieval2018{@ }gmail.com

Sun, 02/09/2020 - 15:52 Permalink
Calon Jossy (not verified)

I am extremely satisfied with the services of this effective and ethical credit repair team. They were very helpful in clearing all my negative items including credit card debts and student loans in just a few business days and my score went up by an impressive 260 points; here’s there contact: (XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704). Do well to mention my name to XAP. Cheers!

Tue, 02/11/2020 - 13:24 Permalink
Dickson Grey (not verified)

I am Dickson; it’s obvious a lot of us have been ripped off our hard earned money in a bid to fix credit just like me. I’ve been a victim of scam hackers several times not till I disclosed my problem to my regional pastor, whom I had to share my worries, so he introduced me to this great hacker called 760PLUS CREDIT SCORE I contacted the programmer and asked if he could get my credit report fixed as recommended by my Pastor, he said yes! I explained to him the entire negative items on my report and my low score of 420. To my greatest surprise in 3 weeks he fixed my credit from the initial 420 to 805. I’m so excited to smile again. Contact him via: 760PLUSCREDITSCORE@GMAIL.COM /+1(304) -774 -5902. I urge you to also recommend him to others as I have done the moment your credit is fixed completely.

Mon, 02/17/2020 - 00:46 Permalink
CINTRA (not verified)

FASTFUNDSRECOVERY AT PROTONMAIL COM has been very helpful to me and my friends . he first recovered mine from Umarkets and then i introduced him to my friends. they are still appreciative. you can use him if he want to recover your funds. i hope this helps someone out there.

Tue, 02/18/2020 - 18:37 Permalink
Derrick Richard (not verified)

760PLUS CREDIT SCORE cleared all financial mess from my profile, after reading favorable reviews about him online I decided to give a try base on reviews, I contacted him on 24th January, we had a deal after my wife explained to him our family worries and poor financial status, he gave me a task to make some initial commitment which I did, on 12th Feb, 2020 got an email that my credit score has being raised from 410 to 780, hard inquiries removed from my credit report. I got approved for mortgage loan as a result of my credit profile that is brought back to lime light. He is very fast and affordable. Write him via: 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.

Wed, 02/19/2020 - 00:18 Permalink
Robert Kurkjian (not verified)

I`ve always taught online hackers were scammers and couldn’t
improve a credit score until I met one on a discussion forum when I surf the internet on how to improve my credit score, I read a lady’s comment on how capable RANSOMWARECREDIT is of solving any problems that has to do with hacking. So I sent him a mail and asked if he could raise my credit score and also eliminate eviction off court records. Then he replied yes and asked me to provide him some info of mine he’ll need to run the hack. When I did just that, he completed the hack within 72 hours at a price that’s worth it. I give thanks to the ethical hacker for coming to my aid when I needed help the most. Reach the hacker at: RANSOMWARECREDIT@GMAIL.COM +1 954 416 0322 and you’ll be amazed by his skills.

Sat, 02/22/2020 - 19:21 Permalink
Wilson James (not verified)

I never knew hackers could improve a low credit score until I met one on a discussion forum when I Google how to improve my credit score, I read several reviews on how good and reliable 760PLUS CREDIT SCORE is in solving issues that has to do with credit reports. I emailed them and asked if they can raise credit score (all 3 major credit bureaus) and also delete evictions in 10 working days? They replied yes and asked me for some personal info to enable them hack through my profile. I gave everything they needed to get started with the job, last week Saturday my score was increased from 410 to 800. Contact him via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774-5902. Ensure you recommend him to others as I have done the moment your credit is fixed completely.

Sat, 02/29/2020 - 06:41 Permalink
Mary Roma (not verified)

More than an investment, Cryptocurrencies are an ongoing technology and socioeconomic experiments that seem to be on the radar of giant institutions. I invested so much into cryptocurrency. Arguably I would say my investments grew, but I was never able to withdraw my money from the platform. Bitcoin already dropped below the price I bought it, so I thought it was a bad investment for me. Few weeks ago, I stumbled on (. regalrefunder@ gmail . C O M) and I reported my issue to them. They assigned an agent that gave me a load down of how Crypto investment works and various tricks used by scammers, and how they always outperform the market. I took a leap of faith to let them work with me. This happened to be the best decision I've made as regards recovering my funds back. They were very professional, they worked me through the whole process and they also provided me measures to take to prevent any form of scams in future. If you are have been cheated before and you are looking to recover your funds from the scammers. Do well to reach out to them. Good luck

Mon, 03/23/2020 - 02:01 Permalink
PeterPat (not verified)

The level of professionalism I received from " R e c o v e r y E m p i r e . c o m " was second to none. I was stressed, anxious and upset at the unreasonable behavior being displayed by the Funds Management Company that looks after my Investments. I contacted " R e c o v e r y E m p i r e . c o m " and I was reassured by the calming nature of the staff that I communicated with and always felt that my concerns were taken seriously. The dispute was resolved amicably a short time after their team took up the case. I am very thankful for the help and reassurance that Recovery Empire gave me.

Sat, 03/28/2020 - 10:28 Permalink
HACK ETHICS (not verified)

It actually hurts and bring  tears to my eyes when I read comments of scammed victims ripped off by  BINARY OPTIONS AND FAKE HACKERS. I know actually know how it feels and hurts to lose money you have worked half of your life for to invest with the thoughts of getting returns when you are retired. It was all a scam in the end. STOP BEING SCAMMED BY THESE BINARY OPTIONS AND FAKE HACKERS. I've had enough of complains from clients over the months who has one way or the other being a victim of the BINARY OPTION OR RECOVERY SCAMS or any desired Hacking Services. I'm  willing to put an end to these unbearable swindle scheme of Fake Hackers impersonating our organization I'm taking a step forward to render solution to those affected and help them get every penny they lost. Hack Ethics is an experienced Private Hacking and Certified Binary Recovery Expert Organization with a spare master key that no one has. Service takes just within 48 hours. Hire an Ethical Hacking Expert who's professional and real. Specialized in any desired Hacking Services.  CONTACT EMAIL OR SKYPE -  HACKETHICS008@GMAIL.COM

Sat, 03/28/2020 - 22:27 Permalink
COREY (not verified)

â—¾PROTOCOL SHIELDERSâ—¾
HELLO, I am COREY RODRIGUEZ by name,the only CEO of protocol-cyber-shield-hackers.  In this message, we will explain how you can almost avoid SCAMMERS and stay safe,  plus how our organization works. Read it carefully!! Its reading will not take more than 10mins. 
We kindly URGE you to not respond without have read the entire text. Those who mail without have read everything, ask questions that are been answered here.

⚠️WARNING:
MOST HACKERS YOU SEE HERE ARE FAKES AND SIMULTANEOUSLY INCONGRUOUS !. 
It tears US up when we receive bitter mails of Jobs attempts proposals from most clients with hacking issues but never get close to having them done, thereby wasting a lot $ in the process, 
EXAMPLES: 
➡️MOBILE PHONE HACKING.
➡️BINARY FUNDS&BITCOIN RECOVERIES.

➡️SOCIAL MEDIA ACCOUNT&EMAIL HACKING etc....
if you in a haste to have all of these done by seeking hackers yourselvesyou will only get ripped.
PLEASE PAY ATTENTION TO THIS ARTICLE AS YOU READ THROUGH IT.

HOW WOULD YOU KNOW?? 

TAKE NOTE AND PRECAUTIONS:

1. you see uncertified email accounts carrying numberings likeiamhacklord1232@(gmail,yahoo or hotmailDOTcom)  pls flee from them, BIG SCAMMERS.

They take your money and never do your job!! 

2. you see posts like "do you need to spy on spouse?" All fake!just a way to lure you towards getting ripped!. 3, posting fake testimonies and comments to trick you into feeling safe. Pls endeavour to ignore!! 

➡️NOTE: beware as we urge you not to make respond to any "IVAN HONG,PETER SANTOS,MONICA HART (impersonating with our articles pretending to work under us)
WE ONLY HAVE 2 EMAILS WHICH ARE LISTED BELOW THIS ARTICLE TO ATTEND TO ALL MANNERS OF CYBER HACKING ISSUES.

                       ◾VERY IMPORTANT ◾
For years now, We've helped  organizations  secure data base,  so many sites USE US AS SECURITY BACK UP TEAM BECAUSE OF OUR METHODS OF  HANDLING CYBER MISHAPS. 

"iPhone&ANDROID HACKS"

"CLEAR CRIMINAL RECORDS"   

"FUNDS RECOVERIES" AND LOT MORE BEEN DONE IN SHORT TIMING!
these are significant EXPERIENCES & RECORDS a good and effectively fully recognized organization must firmly ascertain. 

                        ◾OUR AIMS HERE◾

1â—¾to assign a qualified agent of specific rank to particularly any sort of cyber issues you intend dealing with in short and accurate timing.

2◾ to screen in real hackers (gurus only) in need of job with or without a degree, to speed up the  availability of time given for Job contracts given to us.!! Thus an online binary decoding exam will be set for those who seeks employment under the teams Establishment.
 write us on:
â—¾Protocolhacks@gmail. com
â—¾Cybershieldnotch@gmail. com
â—¾binaryoptionretrieval@gmail. com
COREY ROD, 
SIGNED...
Thank you..

Mon, 03/30/2020 - 23:06 Permalink
Hack Ethics (not verified)

It actually hurts and bring  tears to my eyes when I read comments of scammed victims ripped off by  BINARY OPTIONS AND FAKE HACKERS. I know actually know how it feels and hurts to lose money you have worked half of your life for to invest with the thoughts of getting returns when you are retired. It was all a scam in the end. STOP BEING SCAMMED BY THESE BINARY OPTIONS AND FAKE HACKERS. I've had enough of complains from clients over the months who has one way or the other being a victim of the BINARY OPTIONS OR RECOVERY SCAMS or any desired Hacking Services. I'm willing to put an end to these unbearable swindle scheme of Fake Hackers impersonating our organization I'm taking a step forward to render solution to those affected and help them get every penny they lost. Hack Ethics is an Experienced  Private Hacking and Certified Binary Recovery Expert Organization with a spare master key that no one has. Hire an Ethical Hacking Expert who's professional and real. Specialized in any desired Hacking Services.  CONTACT EMAIL OR SKYPE -  HACKETHICS008@GMAIL.COM

Sat, 04/04/2020 - 12:44 Permalink
ray spencer (not verified)

It actually hurts and bring  tears to my eyes when I read comments of scammed victims ripped off by  BINARY OPTIONS AND FAKE HACKERS. I know actually know how it feels and hurts to lose money you have worked half of your life for to invest with the thoughts of getting returns when you are retired. It was all a scam in the end. STOP BEING SCAMMED BY THESE BINARY OPTIONS AND FAKE HACKERS. I’ve had enough of complains from clients over the months who has one way or the other being a victim of the BINARY OPTION OR RECOVERY SCAMS or any desired Hacking Services. I’m  willing to put an end to these unbearable swindle scheme of Fake Hackers impersonating our organization I’m taking a step forward to render solution to those affected and help them get every penny they lost. Hack Ethics is an experienced Private Hacking and Certified Binary Recovery Expert Organization with a spare master key that no one has. Service takes just within 48 hours. Hire an Ethical Hacking Expert who’s professional and real. Specialized in any desired Hacking Services.  CONTACT EMAIL ultimatefundrecover at gmale com
WHATSAPP: +14079061584
TEXT: +14079061584

Mon, 04/06/2020 - 10:45 Permalink
Coulter2 (not verified)

Investing in Binary Options and Forex is meant to be one of the best mode of making a fortune in a very short period of time. This became a different story when I lost all my money to an investment company. They locked up all my money on their platform and suspended the website. I was so desperate to get my money back. So I contacted a well know wealth recovery agency. Honestly, I was really worried about their charges but I know nothing good comes for free. I paid and they were able to recovery a total of $45,000 from the scammers. Thanks to ( r e c o v e r y e m p i r e . c o m )

Mon, 04/06/2020 - 16:46 Permalink