Will it have a negative effect on the report if an account has been closed by the credit grantor because the card has never been used?

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1278729

2026-07-25 05:30

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It may. I have heard rumors that the statement "closed by credit grantor" is considered negative and has an impact on credit scores. "Closed by consumer" is considered a positive and does not impact scores. This is unconfirmed and certainly not in writing outside of the scoring companies.

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