And, the final also critical step, wait till 30 days & take your report of credit copy to verify that it is been closed. Particulary, pay attention carefullt the terminology. Along with them your report should be listed, "account holder closed" or something like that. If your statement said that the account already closed by the user then you need to contact the bureau of credit to ask them for changeable. As your reference, it will affect with your credit score by showing closed account from the user. Next, you can repeat entire process again if you are sure your account was closed.