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I did it...da heck wit the conseq...

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shorrttyycm1
Frequent Contributor

Re: I did it...da heck wit the conseq...

I couldn't wait...lol. And, the whole time i was speaking with them i was giggling like a school girl LMAO!!!

Don't get me wrong, they served their purpose well so I'm not going to bash them harshly but their unwillingness to grow or remove af sealed their fate.

On to Merrick...with their monthly and annual fees and tiny limit with stunted growth. They are gone too. Now that i got my Barclays my available credit is still higher after closing those 2 then before replacing them...over $1500 more than before

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


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Message 11 of 13
llecs
Moderator Emeritus

Re: I did it...da heck wit the conseq...

Old and new versions of your FICO will always factor in closed TLs.

Message 12 of 13
shorrttyycm1
Frequent Contributor

Re: I did it...da heck wit the conseq...

@llecs,
Thanks for the clarification! So happy i will be back down to 3 cards again (after closing Merrick) and my available credit will still be $1500. higher than when i had 4....yea!!!

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 13 of 13
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