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Arianamaravilla

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If i have a account closed can they reopen the account t and lower what score again
I have a closed unpay account for a credit card for several years and now they just call me and tell me they were going to procced to collection. So what happened with the "closed account "? ... Can that affect my account twice? .. Is that even allowed?? ... What is closed mean then??

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Top Contributor
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'Closed' probably meant that you were no longer going to be allowed to make any more charges on the account. But, since it hasn't been paid, they have the right to pursue collections.

Top Contributor
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If you still owed a balance

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Then the account was probably sold to a collections agency.  They have the right to try and collect the account for 7 years from the time that they closed the account. 

Read up on how to deal with collection accounts in the articles here on Credit Karma, There is a lot info there that can help you. 

Good luck 

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