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I have a fingerhut account I opened in March, Have absolutely NO CLUE why I opened it, I think they sent me something in the mail, I NEVER USED IT? what should I do?
No it isn't
It'll just show as "account closed by credit grantor". It will be in good standing so no. I had a BML account that I closed.
It's older than six months, I'd just close it personally if I didn't want it. Being passive with my credit management is not what I want to show to an underwriter personally, but I may be clinically paranoid on it frankly: it possibly doesn't make any difference.