342K views · 36K reactions | Rivers Flows In You - Jacob's Piano Journey (8 Years Old) Credits: Jacob's Piano Journey | Throne | Facebook
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Don’t close old credit accounts. Ever. Even if you don’t use them. When you close an account, you lose: • Credit age • Available credit (utilization) • Positive payment history • Score padding FICO gives for long-term accounts And if the card has a balance, closing it makes your utilization skyrocket — which can drop your score instantly. Leave old accounts OPEN ACTIVE (even with a $5 charge a month). Your score will thank you. And if they get closed by the credit grantor, get paid off as soon a
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