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Senior Contributor
Posts: 4,061
Registered: ‎10-02-2012
0 Kudos

Closed CareCredit!

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

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
Moderator
Posts: 9,202
Registered: ‎08-12-2013
0 Kudos

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, 8/15/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Macy's Store $20000 | Discover IT $18000 | BoA BBR #1 $17200 | Cap 1 QS WMC $16500 | NFCU CLOC $15000 | JCP $15000 | Citi DC $12600 | BofA BBR #2 $11800 | Chase Disney Visa $11500 | Care Credit $10200 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Cash+ VS $9000 | Amazon Store $8000 | Blispay $7500 | Sony Card $4250 | Target MC $4000 | Costco Anywhere $3200 | ~~Gardening Since 4/5/16
Senior Contributor
Posts: 4,061
Registered: ‎10-02-2012
0 Kudos

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.

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
Moderator
Posts: 9,202
Registered: ‎08-12-2013
0 Kudos

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, 8/15/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Macy's Store $20000 | Discover IT $18000 | BoA BBR #1 $17200 | Cap 1 QS WMC $16500 | NFCU CLOC $15000 | JCP $15000 | Citi DC $12600 | BofA BBR #2 $11800 | Chase Disney Visa $11500 | Care Credit $10200 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Cash+ VS $9000 | Amazon Store $8000 | Blispay $7500 | Sony Card $4250 | Target MC $4000 | Costco Anywhere $3200 | ~~Gardening Since 4/5/16
Senior Contributor
Posts: 4,061
Registered: ‎10-02-2012
0 Kudos

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.

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
Senior Contributor
Posts: 4,061
Registered: ‎10-02-2012
0 Kudos

Re: Closed CareCredit!

Removed myself from AMEX Hilton card.

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
Epic Contributor
Posts: 29,450
Registered: ‎10-23-2007
0 Kudos

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 Kudos

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 Kudos

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: 29,450
Registered: ‎10-23-2007
0 Kudos

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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