Bank account information is not part of a credit report. Therefore, when you close a bank account, whether it's a savings or checking account, it does not affect your credit scores.
Credit reports don't show any information on your income, savings or investments. Your assets are not considered by credit scoring systems. Credit reports are a snapshot of your credit history and reflect how you have been managing your debts.
Simply because a person has a lot of money in the bank or a large income doesn't necessarily mean they will use that money to pay their debts. Credit scores are only calculated based on the information in your credit history. Your credit history reflects how responsible you are when it comes to paying your bills on time and managing your debts, regardless of the assets you have available.
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Scoped on: 4/19/2018