Reply
Valued Contributor
gdale6
Posts: 9,261
Registered: ‎12-13-2013
0

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 :smileyhappy:

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Regular Contributor
HeilFico
Posts: 221
Registered: ‎02-03-2013
0

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. 

 

 

Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,446
Registered: ‎10-02-2012
0

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!

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 6 months, Utilization 74%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Frequent Contributor
_jb_
Posts: 313
Registered: ‎01-16-2013
0

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 EX: ???, myFICO EQ: 678, myFICO TU: 676 (01/2013)
Latest Scores: myFICO EX: 704, myFICO EQ: 702, myFICO TU: 718
My Wallet: Chase Sapphire Preferred, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,446
Registered: ‎10-02-2012
0

Re: Closed CareCredit!

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

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 6 months, Utilization 74%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+