Close Credit Card Accounts Letter

If you have many credit card accounts with zero balances and no transaction activities ("inactive account"), this could actually negatively impact your credit score. You can use this sample letter to inform the credit card company to close your inactive credit accounts as well as tell them to inform the Credit Reporting Bureaus (TransUnion, Experian and Equifax) that your account is closed at customer's will.

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Date Today (mm-dd-yyyy)

Your Name
Your Address

Credit Card Company's Name
Credit Card Company's Mailing Address

Re: (Your account #)

Dear (Creditor's Name or Accounting Department):

Please close the above referenced account effective today. I spoke on the phone with (insert name) on (dd-mm-yyyy) and he/she guaranteed me that the closing balance of the credit card would be no more than (insert $$.$$ amount). I have therefore enclosed a check for that amount ($$.$$).

I would appreciate if you send me a written confirmation letter that my account has been closed and the date when it was closed with a $0 balance. Also, I request you to attach proof to the letter that you have informed all the 3 major Credit Bureaus that my account has been closed at customer's will. This is a requirement under the Fair Credit Reporting Act Section 623(a)(4).

I appreciate your 100% cooperation regarding this matter and if you have any questions/concerns, please do not hesitate to contact me at (your Phone #).


(Your Signature)
(Your Printed Name)