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Closed CareCredit!

Senior Contributor

Closed CareCredit!

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

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 1 of 15
14 REPLIES
Moderator

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: 791 (TU08, 12/1/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 2 of 15
Senior Contributor

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.

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 3 of 15
Moderator

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: 791 (TU08, 12/1/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 4 of 15
Senior Contributor

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.

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 5 of 15
Senior Contributor

Re: Closed CareCredit!

Removed myself from AMEX Hilton card.

Discharged on 7/11/16
Gardening Since 12/01/2017
Message 6 of 15
Epic Contributor

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.

Message 7 of 15
Established Contributor

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+
Message 8 of 15
Established Contributor

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+
Message 9 of 15
Epic Contributor

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

Message 10 of 15