FICO credit scores include balances on closed accounts when calculating utilization rates, while VantageScore credit scores do not. Amex allows reopening a closed card without a hard pull and with the same account number (), even a card that was voluntarily closed ().This can be done for 30-days after closing (), or possibly 90 days (), or possibly even up to a year (citation needed). The impact of closing a card will depend on your overall credit profile. Even if you decide to close the accounts in question, they will still remain on your credit report for a certain amount of time. Getting a credit card account closed doesn’t happen very often. Whatever the reason it was closed you are still fully responsbile for the balance that remains on that credit card. You may even choose to call your credit card issuer first to close your account, and then follow up with a letter for your records. How long an account remains on your credit report after being closed is determined by whether the account is considered positive or negative. But still, better safe than sorry. Paying your balance in full is especially important before closing a credit card account. Typically, a credit card issuer will not re-open a credit account without first viewing the card holder’s credit report and score, looking for increases or decreases. An account can be closed by you, or it can be closed by the credit card company, even if it has a balance. Also, credit scoring models treat closed accounts with a balance differently. Alliant will only reopen a closed card if it’s been more than six months. Start with a Credit Card You’ll Actually Use. ... Dear Experian, Can I get closed accounts with $0 balance removed from my credit report? Alliant. Once approved, request a written notice that the “closed by creditor” entry on your credit report will be changed to “open,” which can boost your credit … You can close your credit card without writing a letter, but sending a letter gives you physical proof that you requested your account to be closed. American Express. Your credit report is a history of your accounts and payments. Closed Accounts Remain on the Credit Report. Dear Experian,How do I go about getting old, closed in good standing, credit card accounts off my credit report?-... December 28, 2017 • 2 min read. For that reason, even closed accounts with a $0 balance will remain on your credit report for a period of time. If you’re credit score’s in good shape, your credit card issuer should have no reason to closer your account. You mentioned that your accounts have a great payment history. - LLV Dear LLV,... March 28, 2017 • 2 min read.