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sethnye3

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how does 2 of my credit cards accounts close if i did not close em and it says 0 balance remaining

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Check your credit reports at annualcreditreport.com and look them over very carefully, especially the small footnotes under each account.  They may say something like "closed by creditor fo nonuse" or something like that.  In that case, there's not much that can be done.

But, if it says YOU closed the accounts, you have a dispute item on your hands!! Might as well clear up all disputes while you have the report available.  File the disputes on all WRONG items with the credit bureau reporting them.  They have to investigate and either verify or delete the disputed items.  You are advised to do this every year to make sure all your credit information is correct.

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Cards can be closed due to inactivity.  If you don't want cards with a $0 balance closed due to inactivity then you need to keep them active.  The time period before closure varies by lender so confirm with your lenders.

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