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Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,552
Registered: ‎10-02-2012
0

Closed CareCredit!

Ill be closing Living Spaces once balance reports to 0. Less weight I have to deal with.

$1,000$600
EX FICO---, EQ FICO---, TU FICO 603, Gardening Since 10-05-14
Senior Contributor
SunriseEarth
Posts: 4,035
Registered: ‎08-12-2013
0

Re: Closed CareCredit!


BearsAndTurtlesRtheBest wrote:

Ill be closing Living Spaces once balance reports to 0. Less weight I have to deal with.


Why?  Didn't you just open it and take two HPs for it?


Start: 619 (Wally, 9/2013) | Current: 669 (Wally, 10/6/14), 703 (EQ myFICO 8/13/14)
Care Credit $10200 | Walmart Store $5000 | AMEX BCE $4500 | Cap 1 QS1 $4000 | JCP $3900 | AMEX Costco TE $3500 | Macy's Special Events $2900 | CU Visa $2500 | Sony Card $2500 | Amazon Store $1800 | Citi DC WMC $1200 | Macy's Revolving $1200 | Merrick $1200 | Target $1000 | VS $850 | Gold Violin $850 ~~Gardening Since 8/28/14
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,552
Registered: ‎10-02-2012
0

Re: Closed CareCredit!

Yes but it is of no use since my dad now got smilegeneration with a $6k CL. Im cleaning things up before April.

$1,000$600
EX FICO---, EQ FICO---, TU FICO 603, Gardening Since 10-05-14
Senior Contributor
SunriseEarth
Posts: 4,035
Registered: ‎08-12-2013
0

Re: Closed CareCredit!


BearsAndTurtlesRtheBest wrote:

Yes but it is of no use since my dad now got smilegeneration with a $6k CL. Im cleaning things up before April.


I probably would have just SD'ed it, if I were you.  But what's going on in April?


Start: 619 (Wally, 9/2013) | Current: 669 (Wally, 10/6/14), 703 (EQ myFICO 8/13/14)
Care Credit $10200 | Walmart Store $5000 | AMEX BCE $4500 | Cap 1 QS1 $4000 | JCP $3900 | AMEX Costco TE $3500 | Macy's Special Events $2900 | CU Visa $2500 | Sony Card $2500 | Amazon Store $1800 | Citi DC WMC $1200 | Macy's Revolving $1200 | Merrick $1200 | Target $1000 | VS $850 | Gold Violin $850 ~~Gardening Since 8/28/14
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,552
Registered: ‎10-02-2012
0

Re: Closed CareCredit!

Because by April all these apps, CLI, denial letters, approval letters with CCs, Accts reporting to CBs, should have finished and be ready to go on FULL garden mode.

$1,000$600
EX FICO---, EQ FICO---, TU FICO 603, Gardening Since 10-05-14
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,552
Registered: ‎10-02-2012
0

Re: Closed CareCredit!

Removed myself from AMEX Hilton card.

$1,000$600
EX FICO---, EQ FICO---, TU FICO 603, Gardening Since 10-05-14
Epic Contributor
Creditaddict
Posts: 20,794
Registered: ‎10-23-2007
0

Re: Closed CareCredit!


BearsAndTurtlesRtheBest wrote:

Removed myself from AMEX Hilton card.


wooa... why are you removing yourself from the au accounts too? if you close carecredit and living spaces doesn't that just leave you the wells thats in your name?

I really wouldn't close those... you need 3 accounts to build and establish the best score and being that those are joint they will be better for you then the au accounts but if you remove yourself from the au accounts too you now don't have the 3 accounts to build the credit while you garden.

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
Leadberry
Posts: 622
Registered: ‎01-31-2013
0

Re: Closed CareCredit!

Naturally people here are going to start flipping out when you mention closing accounts.  Kudos to you OP.  However, I would recommend leaving at least two accounts open.

   
   
Established Contributor
Leadberry
Posts: 622
Registered: ‎01-31-2013
0

Re: Closed CareCredit!


Creditaddict wrote:

BearsAndTurtlesRtheBest wrote:

Removed myself from AMEX Hilton card.


wooa... why are you removing yourself from the au accounts too? if you close carecredit and living spaces doesn't that just leave you the wells thats in your name?

I really wouldn't close those... you need 3 accounts to build and establish the best score and being that those are joint they will be better for you then the au accounts but if you remove yourself from the au accounts too you now don't have the 3 accounts to build the credit while you garden.


Nobody can say this for sure.  There is no magic number.  Variety > quantity.

   
   
Epic Contributor
Creditaddict
Posts: 20,794
Registered: ‎10-23-2007
0

Re: Closed CareCredit!


Leadberry wrote:

Creditaddict wrote:

BearsAndTurtlesRtheBest wrote:

Removed myself from AMEX Hilton card.


wooa... why are you removing yourself from the au accounts too? if you close carecredit and living spaces doesn't that just leave you the wells thats in your name?

I really wouldn't close those... you need 3 accounts to build and establish the best score and being that those are joint they will be better for you then the au accounts but if you remove yourself from the au accounts too you now don't have the 3 accounts to build the credit while you garden.


Nobody can say this for sure.  There is no magic number.  Variety > quantity.


Okay, at least for qualifying for a mortgage

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:

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