<prompt> Human: I really just want the account closed and shown as this.The credit card still appears in my credit checks as an open and valid account, thus skewing my credit utilization limit.So this unused account from 2003 is floating out there and when I dispute the account the same bank says this account is openvalid and rejects the removal. Even faxed the bank with all pertinent information, as told to, and the account is still not found.So they cant verify I exist with them, but are damned if they will tell any credit checks asking that I dont.Have to say this little ghost account in the machine is annoying.  <response>: I agree with the others it can only help you having it open assuming its in good standing with no balance showing. Closing it will reduce total account age and reduce your total credit limit probably increasing your utilization percentage. 