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Senior Contributor
Posts: 4,041
Registered: ‎10-02-2012
0

Closed CareCredit!

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

Moderator
Posts: 8,374
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 (TU08, 9/2013) | Current: 768 (TU08, 7/28/16)
Sam's Club MC $25000 | AMEX BCE $20400 | Sallie Mae WMC $16500 | Cap 1 QS VS $10750 | Care Credit $10200 | BofA BBR $10100 | Discover IT $8500 | Marvel MC $8000 | Citi DC $8000 | JCP $8000 | Amazon Store $8000 | US Bank Cash+ VS $7500 | Blispay $7500 | Cap 1 QS WMC $5750 | Macy's Store $5400 | Sony Card $4250 | Macy's AMEX $3500 | Gold Violin $3050 | CU Visa $2500 | Target $1900 | Costco Anywhere $1700 | ~~Gardening Since 5/10/16
Senior Contributor
Posts: 4,041
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.

Moderator
Posts: 8,374
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 (TU08, 9/2013) | Current: 768 (TU08, 7/28/16)
Sam's Club MC $25000 | AMEX BCE $20400 | Sallie Mae WMC $16500 | Cap 1 QS VS $10750 | Care Credit $10200 | BofA BBR $10100 | Discover IT $8500 | Marvel MC $8000 | Citi DC $8000 | JCP $8000 | Amazon Store $8000 | US Bank Cash+ VS $7500 | Blispay $7500 | Cap 1 QS WMC $5750 | Macy's Store $5400 | Sony Card $4250 | Macy's AMEX $3500 | Gold Violin $3050 | CU Visa $2500 | Target $1900 | Costco Anywhere $1700 | ~~Gardening Since 5/10/16
Senior Contributor
Posts: 4,041
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.

Senior Contributor
Posts: 4,041
Registered: ‎10-02-2012
0

Re: Closed CareCredit!

Removed myself from AMEX Hilton card.

Epic Contributor
Posts: 28,666
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.

Established Contributor
Posts: 653
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.

   
FICO Scores 800+
Established Contributor
Posts: 653
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.

   
FICO Scores 800+
Epic Contributor
Posts: 28,666
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

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