Assuming it’s in good standing when closing, it generally will fall off your credit score in 10 years. That gives you 10 years to build up a credit history wit

Assuming it’s in good standing when closing, it generally will fall off your credit score in 10 years. That gives you 10 years to build up a credit history with other accounts. I closed an ancient Bank of America account several years ago because I didn’t want to do business with them anymore. It still contributes to my credit score. By the time it falls off, the other accounts will more than make up for it.