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Centennial Bank Card--Need Help!!


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Hello! I have a question for someone with the Centennial Bank Card through First Premier Bank. I have paid this card on time every time since August, but in December my payment didn't clear due to a direct deposit issue with my bank. Well, they have been paid, I immediatly paid it once I got the mess straightened out with the bank, but it shows on my report that they have now closed my account. I called them and they said it will be reinstated on Jan 20th, (don't know why thats a magic date). I was just wondering how that showing as they closed it affected my score? I know my score back in october was 560. When I pulled it recently it was 509 and I didn't have a clue what had made it drop so much. I was just wondering if them closing the account had anything to do with it.

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