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Think Twice Before Canceling Credit Cards Before you cancel your credit cards, think twice about how it might affect your credit score. best credit report I made this mistake about two years ago when I canceled a card I had for over 8 check my credit Arizona years. Because I hadnt used it for 5 years, it wasnt a rewards card like my new credit card, and I didnt think it would affect my credit score. But canceling that card actually had a negative affect on my credit score! Thankfully, I already had a good credit score and wasnt check my credit Arizona planning on applying for any lines of credit at the time. free goverment credit report At the time, I didnt know how credit scores are determined. I thought that since I had an open line of credit that wasnt being used, it would lower my credit score (too much available credit can be a bad check my credit Arizona thing).

That was partially true, but I didnt realize that the age of your credit history also affected your credit score. That line of credit was open for 8 years, had a $1,000 limit, and I was never late or check my credit Arizona missed a check my credit Arizona payment. Besides that card, my newest lines of credit were another credit card and a car note, both of which were about a year old. find credit report