Reports credit Virginia

But as for the reports credit Virginia rest of the cards I reports credit Virginia dont really use them because its not like I shop at those specific stores all reports credit Virginia 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 reports credit Virginia 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 reports credit Virginia cards go inactive because I reports credit Virginia know that will hurt my reports credit Virginia FICO score.

But I dont 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. identity theft reporting Like some of the older posts have suggested, you can always set reports credit Virginia 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 reports credit Virginia 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 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 reports credit Virginia occurrence from your credit record. 3 free credit reports per year

The key is to make sure it doesnt happen again, reports credit Virginia so be sure to monitor your balances.

Recently I had to close or cancel my AT&T credit card.

I received reports credit Virginia 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 this would affect my credit, but I had no choice considering I reports credit Virginia 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 reports credit Virginia be closing a card that has been open for 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 (reports credit Virginia amount of credit used vs. free credit report without credit card information For example, if you have $5,000 debt and have credit lines equal to $50,000, your credit utilization is reports credit Virginia 10%. If you close an account with a $10,000 line of credit, you now have $5,000 debt on $40,000 available credit, increasing your utilization to 12.5%.