Re: Should I Close this account or Keep it Open?
02-25-2013 02:31 PM
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?
Starting Score: USAA-FACO(10/2012) - EX=498 / EQ = 498 / TU = 508
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
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WALLET (Secured): Capital One: $700 --- WellsFargo: $300 --- CapitalBank: $300