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fused111 wrote:Read my lips...bank (major) credit cards carry more weight than store cards not issued by banks.
MidnightVoice wrote:
fused111 wrote:
Read my lips...bank (major) credit cards carry more weight than store cards not issued by banks.
Serious question - does a Credit Union CC carry as much weight as a major bank CC?Just out of interest
@Anonymous wrote:This is currently my biggest confusion in FICO scoring. Let's say I don't have any installment or mortgage loans. How much variety can I have with without those? I heard dept store cards help. Does it really help to have a Visa, MC, Discover, and AMEX? (is each one important)
Once the loan is paid and the account closes then it should report for up to 10 years. Open and closed accounts are scored the same, so long as this loan reports a $0 balance and no derogs (late payments) then yes it will have a positive impact on your scores.
Jack_Sparrow wrote:
So if I have a car loan, how long will that stay on my report after it's paid off? And even if it's paid off will it still help my score as it did when it was open while its still on my report?