- Lazy Twitter: should I keep open a 0 balance credit card if we don't plan on ever using it again? Does closing it negatively affect credit?
depends on how long it has been opened. While at my last job we were educated around negative and positive impacts to credit.
My credit score has gone down because I closed accounts. Short answer: yes.
Also, good for you. Also, http://t.co/Un0z3U3L is a lifesaver if you want to see how certain things effect your credit score.
And it's TOTALLY free.