02-29-2012 03:42 PM - edited 02-29-2012 03:46 PM
I had a BK 7 in June of 2005 ..
this is a list of my CC 's
CAP one 2000 cl ....300 balance ......opened 10/08
Discover HSBC CL 1350 0 balance ......opened 1/07
Walmart store card 875 CL 0 balance .... ....opened 12/10
Best buy store card 750 CL (MAXX plan B) 0 balance.... opened 2008
Chevron gas 800 CL 0 balance ....opened 4/11
Barclay MC 3000 CL 0 balance ......opened 11/11..
I want to close my BB store card but I am afraid that it will hurt my AAoA ???.....its at around 4 yrs right now..
In June when some of the bad IIB info drops off, plus 1 collection will go away leaving.... me with one on TU and EQ that will come off in 12/12. I want to try for plan A account.
I want to stay in the garden till then picking flowers till mid year at least ...dont need the inquiries...That the only card I desperatly want 0 % financing need a new TV
Any help would be great
02-29-2012 03:44 PM
I want to close my BB store card but I am afraid that it will hurt my AAoA .....its at around 4 yrs right now..
Closing a card will not immediately affect either your AAoA or credit length history. You can read more about it here: Closing Credit Cards.
02-29-2012 04:55 PM
anyone have any ideas what my chances are for apping for a Chase freedom card????
Chase included in your BK?
The GE Cards have you been requesting CLI every 4 months... looks like you have had some of them for over a year but still lower lines.
I would probably take any "possible" hit right now and get rid of the plan B, especially if you want to try for plan A later.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.