What is effect of closing account?

Now that Cap One is making it as easy as pie to merge one account into another, one question I have is what effect will the closing of the merged account have on my score? In my case, e.g., I would be merging a 1 year old account into a 3 year old account. The 1 year old account would be closed. How would this transaction be interpreted by the FICO algorithm monster?

Hello SJ! Always good to see you on here. This looks like another one of your posts where I learn something new. I didn't know there was such a thing as "merging", though I am not surprised. I can certainly answer the "FICO monster" question as long as I am sure I understand what merging in this case means for the credit bueaus. If I understand you right, it means that Cap 1 will be transfering the balance from the 1-year account onto the 3-year account. And then they will update your 1- year account with the status "closed" (with a date closed as of the day that the merge occured). But the act of merging doesn't result in your 1-year account being deleted from the three CRAs -- just closed. Your 3-year account will have the same credit limit as it did before the merge. Is that all correct? If I got all that right (there were several assumptions) then it's easy to figure out what FICO will do. You will have a new total credit limit -- whatever your previous limit was minus the CL of the closed card. That will have a small effect on your total U, easy for you to figure that out. Your AAoA will not change in any way, since the closed account is still on your reports and will continue to age. 10 years from now the closed account will fall off your reports, having a small effect on your AAoA. As you can see, the key question is not What Will FICO Do (there should be a tshirt for that), but what will the CRA do? The key questions are (1) whether the 1-year account is deleted from the report or simply closed and (2) whether the 3-year account still has the same CL as it did before. I don't know how Cap 1 works with that. But once you know the answers to the CRA question, then you can answer the FICO question.

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Tutorial ABAP How to check that posting date belongs to closed period - ABAP Development - SCN Wiki
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Moderator: Please, search before posting

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Examples
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Problem signature:
Problem Event Name: CLR20r3
Problem Signature 01: AUTRTV22OQMI5JWSVNDSSNCH0E5DQ2L1
Problem Signature 02: 1.0.20922.0
Problem Signature 03: 505e1b30
Problem Signature 04: System.DirectoryServices.AccountManagement
Problem Signature 05: 4.0.30319.17929
Problem Signature 06: 4ffa5bda
Problem Signature 07: 3ef
Problem Signature 08: 348
Problem Signature 09: KCKGYE1NBUPA2CLDHCXJ0IFBDVSEPD1F
OS Version: 6.2.9200.2.0.0.272.7
Locale ID: 1044
Additional Information 1: 8e7b
Additional Information 2: 8e7b3fcdf081688bfcdf47496694f0e4
Additional Information 3: c007
Additional Information 4: c007e99b2d5f6f723ff4e7b990b5c691
Log Name:      Application
Source:        Application Error
Date:          27.08.2014 11:47:54
Event ID:      1000
Task Category: (100)
Level:         Error
Keywords:      Classic
User:          N/A
Computer:      OSS01-MAP-226.global.corp
Description:
Faulting application name: Microsoft.Workflow.Deployment.ConfigWizard.exe, version: 1.0.20922.0, time stamp: 0x505e1b30
Faulting module name: KERNELBASE.dll, version: 6.2.9200.16864, time stamp: 0x531d34d8
Exception code: 0xe0434352
Fault offset: 0x0000000000047b8c
Faulting process id: 0x23a0
Faulting application start time: 0x01cfc1dbe703a8ac
Faulting application path: C:\Program Files\Workflow Manager\1.0\Microsoft.Workflow.Deployment.ConfigWizard.exe
Faulting module path: C:\Windows\system32\KERNELBASE.dll
Report Id: 36f30eb4-2dcf-11e4-9415-005056892fae
Faulting package full name:
Faulting package-relative application ID:
Event Xml:
<Event xmlns="http://schemas.microsoft.com/win/2004/08/events/event">
<System>
    <Provider Name="Application Error" />
    <EventID Qualifiers="0">1000</EventID>
    <Level>2</Level>
    <Task>100</Task>
    <Keywords>0x80000000000000</Keywords>
    <TimeCreated SystemTime="2014-08-27T09:47:54.000000000Z" />
    <EventRecordID>7471545</EventRecordID>
    <Channel>Application</Channel>
    <Computer>OSS01-MAP-226.global.corp</Computer>
    <Security />
</System>
<EventData>
    <Data>Microsoft.Workflow.Deployment.ConfigWizard.exe</Data>
    <Data>1.0.20922.0</Data>
    <Data>505e1b30</Data>
    <Data>KERNELBASE.dll</Data>
    <Data>6.2.9200.16864</Data>
    <Data>531d34d8</Data>
    <Data>e0434352</Data>
    <Data>0000000000047b8c</Data>
    <Data>23a0</Data>
    <Data>01cfc1dbe703a8ac</Data>
    <Data>C:\Program Files\Workflow Manager\1.0\Microsoft.Workflow.Deployment.ConfigWizard.exe</Data>
    <Data>C:\Windows\system32\KERNELBASE.dll</Data>
    <Data>36f30eb4-2dcf-11e4-9415-005056892fae</Data>
    <Data>
    </Data>
    <Data>
    </Data>
</EventData>
</Event>
Log Name:      Application
Source:        .NET Runtime
Date:          27.08.2014 11:47:54
Event ID:      1026
Task Category: None
Level:         Error
Keywords:      Classic
User:          N/A
Computer:      OSS01-MAP-226.global.corp
Description:
Application: Microsoft.Workflow.Deployment.ConfigWizard.exe
Framework Version: v4.0.30319
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   at MS.Win32.UnsafeNativeMethods.DispatchMessage(System.Windows.Interop.MSG ByRef)
   at System.Windows.Threading.Dispatcher.PushFrameImpl(System.Windows.Threading.DispatcherFrame)
   at System.Windows.Application.RunInternal(System.Windows.Window)
   at System.Windows.Application.Run()
   at Microsoft.Workflow.Deployment.ConfigWizard.App.Main()
Event Xml:
<Event xmlns="http://schemas.microsoft.com/win/2004/08/events/event">
<System>
    <Provider Name=".NET Runtime" />
    <EventID Qualifiers="0">1026</EventID>
    <Level>2</Level>
    <Task>0</Task>
    <Keywords>0x80000000000000</Keywords>
    <TimeCreated SystemTime="2014-08-27T09:47:54.000000000Z" />
    <EventRecordID>7471544</EventRecordID>
    <Channel>Application</Channel>
    <Computer>OSS01-MAP-226.global.corp</Computer>
    <Security />
</System>
<EventData>
    <Data>Application: Microsoft.Workflow.Deployment.ConfigWizard.exe
Framework Version: v4.0.30319
Description: The process was terminated due to an unhandled exception.
Exception Info: System.DirectoryServices.AccountManagement.MultipleMatchesException
Stack:
   at System.DirectoryServices.AccountManagement.ADStoreCtx.FindPrincipalByIdentRefHelper(System.Type, System.String, System.String, System.DateTime, Boolean)
   at System.DirectoryServices.AccountManagement.ADStoreCtx.FindPrincipalByIdentRef(System.Type, System.String, System.String, System.DateTime)
   at System.DirectoryServices.AccountManagement.Principal.FindByIdentityWithTypeHelper(System.DirectoryServices.AccountManagement.PrincipalContext, System.Type, System.Nullable`1<System.DirectoryServices.AccountManagement.IdentityType>,
System.String, System.DateTime)
   at System.DirectoryServices.AccountManagement.UserPrincipal.FindByIdentity(System.DirectoryServices.AccountManagement.PrincipalContext, System.String)
   at Microsoft.ServiceBus.Commands.Common.SecurityHelper.IsUserValid(System.DirectoryServices.AccountManagement.PrincipalContext, System.String)
   at Microsoft.ServiceBus.Commands.Common.SecurityHelper.IsDomainUserValid(System.String, System.String)
   at Microsoft.ServiceBus.Commands.Common.ValidateUserAttribute.Validate(System.String)
   at Microsoft.Deployment.ConfigWizard.UICommon.AccountDetailsViewModel.ValidateDomainUser()
   at Microsoft.Deployment.ConfigWizard.UICommon.AccountDetailsControl.UserIdTextBox_LostFocus(System.Object, System.Windows.RoutedEventArgs)
   at System.Windows.EventRoute.InvokeHandlersImpl(System.Object, System.Windows.RoutedEventArgs, Boolean)
   at System.Windows.UIElement.RaiseEventImpl(System.Windows.DependencyObject, System.Windows.RoutedEventArgs)
   at System.Windows.Controls.Primitives.TextBoxBase.OnLostFocus(System.Windows.RoutedEventArgs)
   at System.Windows.UIElement.IsFocused_Changed(System.Windows.DependencyObject, System.Windows.DependencyPropertyChangedEventArgs)
   at System.Windows.DependencyObject.OnPropertyChanged(System.Windows.DependencyPropertyChangedEventArgs)
   at System.Windows.FrameworkElement.OnPropertyChanged(System.Windows.DependencyPropertyChangedEventArgs)
   at System.Windows.Controls.TextBox.OnPropertyChanged(System.Windows.DependencyPropertyChangedEventArgs)
   at System.Windows.DependencyObject.NotifyPropertyChange(System.Windows.DependencyPropertyChangedEventArgs)
   at System.Windows.DependencyObject.UpdateEffectiveValue(System.Windows.EntryIndex, System.Windows.DependencyProperty, System.Windows.PropertyMetadata, System.Windows.EffectiveValueEntry, System.Windows.EffectiveValueEntry ByRef, Boolean, Boolean,
System.Windows.OperationType)
   at System.Windows.DependencyObject.ClearValueCommon(System.Windows.EntryIndex, System.Windows.DependencyProperty, System.Windows.PropertyMetadata)
   at System.Windows.DependencyObject.ClearValue(System.Windows.DependencyPropertyKey)
   at System.Windows.Input.FocusManager.OnFocusedElementChanged(System.Windows.DependencyObject, System.Windows.DependencyPropertyChangedEventArgs)
   at System.Windows.DependencyObject.OnPropertyChanged(System.Windows.DependencyPropertyChangedEventArgs)
   at System.Windows.FrameworkElement.OnPropertyChanged(System.Windows.DependencyPropertyChangedEventArgs)
   at System.Windows.DependencyObject.NotifyPropertyChange(System.Windows.DependencyPropertyChangedEventArgs)
   at System.Windows.DependencyObject.UpdateEffectiveValue(System.Windows.EntryIndex, System.Windows.DependencyProperty, System.Windows.PropertyMetadata, System.Windows.EffectiveValueEntry, System.Windows.EffectiveValueEntry ByRef, Boolean, Boolean,
System.Windows.OperationType)
   at System.Windows.DependencyObject.SetValueCommon(System.Windows.DependencyProperty, System.Object, System.Windows.PropertyMetadata, Boolean, Boolean, System.Windows.OperationType, Boolean)
   at System.Windows.DependencyObject.SetValue(System.Windows.DependencyProperty, System.Object)
   at System.Windows.FrameworkElement.OnGotKeyboardFocus(System.Object, System.Windows.Input.KeyboardFocusChangedEventArgs)
   at System.Windows.RoutedEventArgs.InvokeHandler(System.Delegate, System.Object)
   at System.Windows.EventRoute.InvokeHandlersImpl(System.Object, System.Windows.RoutedEventArgs, Boolean)
   at System.Windows.UIElement.RaiseEventImpl(System.Windows.DependencyObject, System.Windows.RoutedEventArgs)
   at System.Windows.UIElement.RaiseTrustedEvent(System.Windows.RoutedEventArgs)
   at System.Windows.Input.InputManager.ProcessStagingArea()
   at System.Windows.Input.KeyboardDevice.ChangeFocus(System.Windows.DependencyObject, Int32)
   at System.Windows.Input.KeyboardDevice.Focus(System.Windows.DependencyObject, Boolean, Boolean, Boolean)
   at System.Windows.Input.KeyboardDevice.Focus(System.Windows.IInputElement)
   at System.Windows.UIElement.Focus()
   at System.Windows.Documents.TextEditorMouse.MoveFocusToUiScope(System.Windows.Documents.TextEditor)
   at System.Windows.Documents.TextEditorMouse.OnMouseDown(System.Object, System.Windows.Input.MouseButtonEventArgs)
   at System.Windows.UIElement.OnMouseDownThunk(System.Object, System.Windows.Input.MouseButtonEventArgs)
   at System.Windows.RoutedEventArgs.InvokeHandler(System.Delegate, System.Object)
   at System.Windows.EventRoute.InvokeHandlersImpl(System.Object, System.Windows.RoutedEventArgs, Boolean)
   at System.Windows.UIElement.RaiseEventImpl(System.Windows.DependencyObject, System.Windows.RoutedEventArgs)
   at System.Windows.UIElement.RaiseTrustedEvent(System.Windows.RoutedEventArgs)
   at System.Windows.Input.InputManager.ProcessStagingArea()
   at System.Windows.Input.InputProviderSite.ReportInput(System.Windows.Input.InputReport)
   at System.Windows.Interop.HwndMouseInputProvider.ReportInput(IntPtr, System.Windows.Input.InputMode, Int32, System.Windows.Input.RawMouseActions, Int32, Int32, Int32)
   at System.Windows.Interop.HwndMouseInputProvider.FilterMessage(IntPtr, MS.Internal.Interop.WindowMessage, IntPtr, IntPtr, Boolean ByRef)
   at System.Windows.Interop.HwndSource.InputFilterMessage(IntPtr, Int32, IntPtr, IntPtr, Boolean ByRef)
   at MS.Win32.HwndWrapper.WndProc(IntPtr, Int32, IntPtr, IntPtr, Boolean ByRef)
   at MS.Win32.HwndSubclass.DispatcherCallbackOperation(System.Object)
   at System.Windows.Threading.ExceptionWrapper.InternalRealCall(System.Delegate, System.Object, Int32)
   at MS.Internal.Threading.ExceptionFilterHelper.TryCatchWhen(System.Object, System.Delegate, System.Object, Int32, System.Delegate)
   at System.Windows.Threading.Dispatcher.LegacyInvokeImpl(System.Windows.Threading.DispatcherPriority, System.TimeSpan, System.Delegate, System.Object, Int32)
   at MS.Win32.HwndSubclass.SubclassWndProc(IntPtr, Int32, IntPtr, IntPtr)
   at MS.Win32.UnsafeNativeMethods.DispatchMessage(System.Windows.Interop.MSG ByRef)
   at MS.Win32.UnsafeNativeMethods.DispatchMessage(System.Windows.Interop.MSG ByRef)
   at System.Windows.Threading.Dispatcher.PushFrameImpl(System.Windows.Threading.DispatcherFrame)
   at System.Windows.Application.RunInternal(System.Windows.Window)
   at System.Windows.Application.Run()
   at Microsoft.Workflow.Deployment.ConfigWizard.App.Main()
</Data>
</EventData>
</Event>

Hi Karthik,
You could refer to the series of videos below to install and configure workflow manager in SharePoint 2013:
http://technet.microsoft.com/en-us/library/dn201724(v=office.15).aspx
The Episode 2 describes the necessary account in AD with right permission in the installation process:
http://technet.microsoft.com/en-us/library/dn201724(v=office.15).aspx#episode2
Regards,
Rebecca Tu
TechNet Community Support

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