Free credit reports government Utica

I still have two older cards so closing the account would have increased the average age. It would be interesting to know what levels of credit can be dangerous for your score I want to keep things clean so I can get a mortgage in the next year or two but Im thinking about getting a bigger line of credit for business. I know my total credit would be less than half my (current) annual income so that shouldnt be too risky.

As long as I dont use it all and pay 19% interest on it for years I think I did the same mistake you did and canceled a few unused credit cards because they are either store credit cards or provide no reward. I cant tell you my credit score either, but the last time I checked my credit report, everything looks good. I just started using CCs late last yr, and hav had my limit jump substancially since starting with X credit card company. I applied for and got approved for a credit card with Y credit card company, that has a greater credit limit. I am considering closing my credit card from X company because they increased the APR (doesnt really matter to me), it has no rewards, and I dont want to hav too many credit cards with me. Ive had the card for about 8 months or so Fizzle: Here is an article I wrote about closing credit cards and how it will affect your score: Think Twice Before Canceling Credit Cards. checking credit score You can also consider asking the credit card company to change your card to a rewards card so you can earn cash back (preferred) or points. I was just wondering if closing the older credit card will ding free credit reports government Utica my credit score much, since ive only started using credit cards, and just got the card for a relatively short time (about 7 free credit reports government Utica months). look into asking the credit company to change my card type to earn rewards. Why is Chase Credit Card company so quick free credit reports government Utica to cancel your card upon your request. I had a card for 10 years and cancelled free credit reports government Utica it due to their refusal to remove a late fee. I guess whatever the customer needs to do to get you off the phone. I have a problem that I free credit reports government Utica hope someone can help me with. how to request free credit report I have in total, 10 credit cards, but Im pretty sure that I have a good credit free credit reports government Utica score because I make my payments in full and on time every time.

But in my defense, 8 of these credit cards are department store cards (Nordstrom, Macys, etc) and I only opened them to get the sign-up discounts. I probably only use the Nordstrom and Macys credit cards now and then, but only because I feel like I shouldnt leave them inactive. But as for the rest of free credit reports government Utica the cards I dont really use them free credit reports government Utica because its not like I shop at those specific stores all the time and even when I do, I forget and use my debit card instead. The two major credit cards that I use is my Wells Fargo one and my Chase South West card, which I use the most because of the points. I really just want to stick with one credit card, but I have the other 9 looming over me. I dont want the credit card companies to close my accounts because my cards go inactive because I know free credit reports government Utica that will hurt my FICO score. But I dont want to cancel my cards because I know THAT will hurt my score as free credit reports government Utica well.

Eunice, depending how long youve had your free credit reports government Utica 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. credit report and score free Like some 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 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. Brian, Assuming this is the first transgression free credit reports government Utica in 4 years it probably shouldnt affect your score much at all. You may even be able to call your credit card company free credit reports government Utica and ask them to remove the penalty and over the limit occurrence from your credit record.