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Moderator
Posts: 30,891
Registered: ‎12-13-2013
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Re: Closed CareCredit!

You will get the best scores from individiual accounts that you let stay open for a minimum of 2 yrs. Opening and then closing cards in a short period of time is a negative from an underwriters point of view you may do more damage to yourself than you think. Good luck Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Regular Contributor
Posts: 240
Registered: ‎02-03-2013
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Re: Closed CareCredit!

I'm actually quite happy you have chosen to ditch the AU's. Get one more card (secured) in your name and your golden. If you do end up keeping an AU, make sure its one that's seldom used. Give it 6-8mos and you'll be able to pull an app spree and get the deposit back!

 

There's a credit union or bank that actually provides a secured without a credit pull. Not sure of the name, maybe someone will chime in. 

 

 

Highlighted
Senior Contributor
Posts: 4,061
Registered: ‎10-02-2012
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Re: Closed CareCredit!

Ok as seen on other post I have been approved for 2 more CCs under my name so I will now close Living spaces and remove myself from AU accts starting fresh on 04-01-14

My siggy is now complete!

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 09/20/2017
Frequent Contributor
Posts: 360
Registered: ‎01-16-2013
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Re: Closed CareCredit!

If you haven't opened any new accounts since those 2 new ones, your Garden date should be 03/xx/14.. why wait until 04/01/14?



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Senior Contributor
Posts: 4,061
Registered: ‎10-02-2012
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Re: Closed CareCredit!

Yeah your right I was thinking about that Ill change it right now.....DONE 

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 09/20/2017

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