topic Re: Remark added to your account. in General Credit Topics

Remark added to your account.

Creditin — Wed, 11 May 2022 18:03:34 GMT

Contrary to the advise I provide, decided to close all my low limit Cap1 cards. (3).

Everything was fine until today. According to Credit Karma.

I expected around a 10 to 15 points decrease but never happened.

I lost a point per for charging $700. 1 from Trans. To 806 and 1 from Equifax. To 799.

I know this are fakos, but I don't need anything else, unless I'm applying for something.

They give me a range. That's all.

However, today I see the "Remark thing" to my closed Cap1 accounts.

I went to AnnualCredit report for Equifax ( Trans needs to wait until Sat. That's when I check 'em)

And the accounts appear closed by consumer request, but no Remarks.

Shall I call Cap1?, or this in not important.

Cheers.

Re: Remark added to your account.

KJinNC — Wed, 11 May 2022 18:33:48 GMT

"Closed at consumer request" is probably the remark. And, it's neutral or positive. Wouldn't worry about it. JMO, good luck!

Re: Remark added to your account.

Creditin — Wed, 11 May 2022 19:33:40 GMT

@KJinNC wrote:
"Closed at consumer request" is probably the remark. And, it's neutral or positive. Wouldn't worry about it. JMO, good luck!

You are right. Thank You !!!.

Bunch of alarmists.

It is positive. I gained 5 months in the AAoA.

Cheers.

Re: Remark added to your account.

SouthJamaica — Wed, 11 May 2022 20:45:29 GMT

@Creditin wrote:
Contrary to the advise I provide, decided to close all my low limit Cap1 cards. (3).
Everything was fine until today. According to Credit Karma.
I expected around a 10 to 15 points decrease but never happened.
I lost a point per for charging $700. 1 from Trans. To 806 and 1 from Equifax. To 799.
I know this are fakos, but I don't need anything else, unless I'm applying for something.
They give me a range. That's all.
However, today I see the "Remark thing" to my closed Cap1 accounts.
I went to AnnualCredit report for Equifax ( Trans needs to wait until Sat. That's when I check 'em)
And the accounts appear closed by consumer request, but no Remarks.
Shall I call Cap1?, or this in not important.
Cheers.

I don't understand what the problem is. You closed the accounts, and it says they were closed by consumer request. So what's the problem?

Re: Remark added to your account.

FireMedic1 — Thu, 12 May 2022 09:58:43 GMT

@Creditin wrote:
@KJinNC wrote:
"Closed at consumer request" is probably the remark. And, it's neutral or positive. Wouldn't worry about it. JMO, good luck!

You are right. Thank You !!!.
Bunch of alarmists.
It is positive. I gained 5 months in the AAoA.
Cheers.

AAoA's doesnt move with closed accounts. Open/Closed are figured into your AAoA's with FICO. Vantage doesnt count closed accounts. Is that where you saw the gain?