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Highscoreguy

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I have an old acct that is closed, if i decide to open again, will it count or start at zero again?
I have an old acct that is closed after 2 years due to inactivity. If i decide to open it again a year later, and have it add to my average years of open accts to boost up the number and increase my score, will it be at 3 years since i reopen it or will it go back to 0 years as if i just opened it as new?

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Am Express goes by oldest date of account; however, they are the exception. If you reopened the account today with anyone else, it will count as a new line of credit and will not backdate. that means it will DECREASE (on short term) your score but as it ages (logn term) it could help you raise your score.

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