Real ChatGPT answer · index seedsAV6UyUcKbAcompleteFinance and banking · credit scores and repairinformational

If I close a credit card with a ten-thousand-dollar limit, how long does that closed account continue to factor into my FICO scoring utilization calculations?

ChatGPTgpt-61 query10/31/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
If I close a credit card with a ten-thousand-dollar limit, how long does that closed account continue to factor into my FICO scoring utilization calculations?
1 real search · 1 real-search pass
FICO closed credit card account credit limit utilization calculation closed account balance includedGoogle ↗
OBSERVED

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Searches and sources

ChatGPT1 real searches · gpt-6
FICO closed credit card account credit limit utilization calculation closed account balance included Google ↗

Queries

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Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
FICO closed credit card account credit limit utilization calculation closed account balance included
OBSERVED
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