I have a question regarding FICO scores. I have an old Bank of America VISA account which I thought was closed in 1991, but shows as "inactive" on Experian and Trans Union reports. The account correctly shows a "zero" balance and was opened in 1976. Is there any advantage or disadvantage to having this account removed from my report (i.e. will it lower or increase my FICO score)? Any advise would be greatly appreciated.