I have one credit card with a zero balance and a $10,000 limit. Will my credit score be hurt if I reduce my limit to $5,000?
How do I have old credit card accounts that are long ago closed or paid off removed from my credit report? I know that my score is negatively affected because of so many “open” accounts!
Can I include a letter in my credit report to explain a charge off or collection?
I had you remove my ex-wife’s address from my report, and now it is back on there. I need to know why, and I would like it to be removed and to stay removed.
Why does closing a credit card you are no longer using negatively affect your credit?
How can I get my credit file updated? I have paid off two loans and made every payment on time. However, when I tried to get preapproved for a home loan I was told my credit report was inactive because there has been no change to my report in six months.
I have four accounts that have a limit of $300 each. I have had these accounts for years. I would like to know if I should close them once I pay them off. I am concerned that having credit cards with low credit limits is negatively affecting me.
I have many small revolving store credit cards with no balance on them. How can I close them without it hurting my credit?
How do you get rid of too many credit cards even if you haven’t used them for years? Also, some credit card companies are charging fees. How do we cancel those cards without hurting credit scores?
What looks better on my credit report, closing a credit card account myself or the credit card company closing my account?