Improving credit score

rhouse30 · #1 Feb 16, 2008, 03:23 AM

Does it help your credit score closing credit card accounts with 0 balance that aren't being used.

Thanks in advance.

Fastfun1 · Feb 16, 2008, 04:58 AM

No, do not close the accounts.

Fastfun1 · Feb 16, 2008, 05:01 AM

Keep the accounts open and inactive. One of the key factors determining FICO is what an individual's balance is per tradeline versus what their max available balance is per tradeline. Typically, if you carrying less than 25% of your max, your money.

mspoonay · May 13, 2008, 04:01 PM

i want to try tradeline . to help build me and my husband to built our credit score so we can purchase a house . is this something you would try. did anyone every try this before



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