Credit checking Topeka

But I dont credit checking Topeka want to cancel my cards because I know THAT will hurt my score as well. Eunice, depending how long youve had your 10 ccs, I would suggest that if the inactive ones are less than 3-4 years old, it would be ok to cancel them, and just keep the 6 with some seniority. Like some credit checking Topeka of the older posts have suggested, you can always set up a monthly re-occurring payment of bills or what not on each of the cards you decide to keep. About 4 years ago (in my not so smart days), I went over the limit credit checking Topeka a few times on my first credit card. Recently, i accidently used that same card credit checking Topeka for the wrong large purchase and went over the limit again by about 30 dollars. Brian, Assuming this is the first transgression in 4 years it probably shouldnt affect your score much at all. You may even be able to call your credit card company credit checking Topeka and ask them to remove the penalty and over the limit occurrence from your credit record. credit report government free The key is to make sure it doesnt happen again, so be sure to monitor your balances.

Recently I had to close or credit checking Topeka cancel my AT&T credit card. I received a letter from AT&T stating that I will be charge $60 per year for their credit card and if I spend over $2,000 the $60.00 will be waived. I have been a customer since 1999, however, I have not been using the card as frequently as they would like. I knew credit checking Topeka this would affect my credit, but I had no choice considering I am unemployed. Jen, it depends on several factors, the most important of which are your average age of credit and your credit utilization. credit report online free

You will be closing a card that has been credit checking Topeka open for over 10 years, which will reduce your average age of credit, and you credit checking Topeka will also close a line of credit, which could affect your credit utilization (amount of credit used vs. For example, credit checking Topeka if you have $5,000 debt and have credit lines equal to $50,000, your credit checking Topeka credit utilization is 10%. If you close an account with credit checking Topeka a $10,000 line of credit, you now have $5,000 debt on $40,000 credit checking Topeka available credit, increasing your utilization to 12.5%.

Overall, it would be impossible for me to give you a number regarding how your score will be affected, but if you have other lines of credit and dont have a credit checking Topeka lot of debt, the change most likely will not be credit checking Topeka substantial. suze orman free credit report

If you are curious, you can check your score now, then again in a credit checking Topeka few months. I HAVE A 10,00 SECURED CREDIT CARD WITH BOA I HAVE HAD FOR 4YRS.

I ALSO NOW credit checking Topeka HAVE A NOTHER SECURED CARD THREW WELS FAGO FOR 6,500 I HAE HAD FOR 6 MONTHS AND A UNSECURED CARD FOR 2 GRAND TREW CHASE BACK FOR 1 YEAR.