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Question By
ntsai

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How can I reopen credit accounts my issuer closed?
My issuer closed 2 credit accounts because they went into past due, because of personal issues I did not pay.
However, I have now made full payments on what is past due and I am paying down the debt by more than the minimum payment every month. The accounts were closed within the past few weeks.
What can I do to get the companies to reopen my accounts? What circumstances play a role?
Again, I am paying off the debt already and the past due amounts are long gone.

Thank you!

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Top Contributor
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Issuers do not have to reopen accounts they closed, and likely won't since it is strictly their choice. Late payments are not appreciated. 

Top Contributor
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The best you can do is give them a call and try to explain what happened.  I'm going to guess that they were more then 60 days late if that is the reason they closed them.  I would not guess that the chances are good.

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