Fact act Lexington

But I dont want to cancel my cards because I know THAT will hurt my fact act Lexington 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 of the fact act Lexington 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 a few times on my first credit card. Recently, i accidently used that same card for the wrong large purchase and went over the limit again by about 30 dollars. fcra free credit report Brian, Assuming this is the fact act Lexington 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 and ask them to remove the penalty and over the limit occurrence from your credit record.

The key is to make sure it doesnt happen again, so be sure to fact act Lexington monitor your balances. Recently I had to close or cancel my AT&T credit card. obtain free credit report I received a letter from AT&T stating that I will be charge $60 per year for their credit card and if I spend fact act Lexington over $2,000 the $60.00 will be waived. I have been a customer fact act Lexington since 1999, however, I have not been using the card fact act Lexington as frequently as fact act Lexington they would like. I knew this would affect my credit, but I had no fact act Lexington 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. You will be closing fact act Lexington a card that has been open for fact act Lexington over 10 years, which will reduce your average age of credit, and you will also close a line of credit, which could affect your credit utilization (amount of credit used vs. identity security