Regular Contributor
Oyiwaa
Posts: 212
Registered: ‎09-25-2012
Re: Should I Close this account or Keep it Open?

thanks very much -- sorry the image is small - you can actually (double)-click on it to enlarge it.  At any rate, it was opened in 2008, had a couple of 60, 90 & 120 day lates, forcing the OC to reduce the credit limit until the balance was paid off. Given that most of the serious lates are about 2 yrs old now, will they still have a negative impact on my scores?

 

cheers, Oyiwaa


Starting Score: USAA-FACO(10/2012) - EX=498 / EQ = 498 / TU = 508
Recent Scores:
myFICO - Jun-2013: EX=595 / EQ = 582 / TU = 649
myFICO - Nov-2013: EX=634 / EQ = 649 / TU = 666
LenderPull - Nov-2013: EX=682 / EQ=649 /TU=687

Goal Score: 700


Take the myFICO Fitness Challenge

WALLET (Secured):  Capital One: $700  --- WellsFargo: $300 --- CapitalBank: $300