Close Account Letter

Use this sample letter when you have one or more inactive credit accounts with a zero balance that are hurting your credit score!

Open but inactive credit accounts with a zero balance can hurt your credit score. Consider closing inactive accounts with a letter addressed to the creditor requesting the account be closed and the correct status, “closed by consumer” reported to the credit reporting agencies.

You are welcome to copy and paste any of the free sample letters displayed throughout this site. If you’d like an electronic copy of any letter
submit the FREE Request Form or Get all letters in one convenient package

Free Sample Letter for Closing Inactive Credit Accounts With Zero Balance

Today’s Date 

Your Name

Home Address

Phone Number

Attention: {Creditor’s Name} 

Creditor’s Address 

RE: Account #: {your account number here} 

Dear Accounting Department {or Creditor’s Name if you have it} 

Please close the above referenced account effective immediately. I spoke with {insert name} on {insert date} at {insert time}, and {he/she} assured me that the “payoff balance” would be no more than $ {insert dollar/cents amount}. I’ve enclosed a check for that exact amount. 

Or alternatively… Please close the above referenced account effective immediately. My records indicate the account has a zero balance. 

Please send me written confirmation that this account has a zero balance and the date the account was closed . Also, include proof that you’ve complied with section 623(a)(4) of the Fair Credit Reporting Act by reporting this account as “closed by consumer” to the national credit bureaus. 

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at (insert daytime phone number and area code) 



Signature just above printed name

Your Printed Name