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It can be a negative factor only if its a hard pull, other words resulting in a credit check, just as phxphun said.
You need to make sure you are keeping your credit cards active by using them.You dont have to charge alot on them maybe buy a drink, piece of gum, something small! This way you will be more likely to retain your high credit lines!
Good Luck!
I can tell you it did for mine just recently. I requested a limit increase on my MC and they ran a credit check, even though I've had a perfect payment history with the card for several years. (BTW, they never told me they would run a credit check). So the credit check now appears as a 'negative factor' on my EX score.
I don't know how to tell exactly how much it influenced the total score because there are other 'positive factors' too.
It can be a negative factor only if its a hard pull, other words resulting in a credit check, just as phxphun said.
You need to make sure you are keeping your credit cards active by using them.You dont have to charge alot on them maybe buy a drink, piece of gum, something small! This way you will be more likely to retain your high credit lines!
Good Luck!