Another question, please

Posted By: Excellent credit here on 2005-08-31
In Reply to: Having a couple zero-balance accounts open is okay . . . - Former bank manager . . .

Thanks for your reply. As I state in a post down below, last year I was approved for a $30,000 home equity loan of which I used a small portion and then paid back in total. Also, these open accts have all been paid to 0, have been 0 for years with no activity whatsoever on the accts. Should I still close some of them and if so, should I close newer or older accts? I only keep 1, or at this time, 2 cards open with activity.

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Consumer Credit Corp. ? Anyone have any info? (sm) - nn
- Baaaad experience with CCCS - been there
  - nonono - msbeanctr
- We went with CCCS about 4 years ago. - see msg
- This is the worst thing you can do, next to bankruptcy... - Former bank manager . . .
  - Forgot to add my accounts say "Closed at request of consumer." - SDK
    - We closed our accounts before going with CCCS. Have been very pleased with the way they have handle - account. nm
  - That's funny because after we went through CCCS our score went up significantly. nm - SDK
  - Bankruptcy is not that bad- filed earlier this year and - fleming
    - But you have learned nothing. Ever hear of paying cash for what you want, instead of financing? - nm
      - You go! - Outraged
    - Proud?!?!?! - Outraged
    - Don't kid yourself . . . you may be able to buy - Former bank manager . . .
      - After paying on my truck and house for a year I can - fleming
        I hope it all works out well for you . . . - Former bank manager . . .
        Quick question for x-bank manager - Excellent credit here
        Having a couple zero-balance accounts open is okay . . . - Former bank manager . . .
        Another question, please - Excellent credit here
        The older the account, the higher the score . . . - Former bank manager . . .
        Since your a former bank manager- how can I get - frost
        Without knowing the details of your finanacial situation . . . - Former bank manager . . .
        Thanks for the advice!!! nm - frost
        You're very welcome! :) nm - Former bank manager . . .
- I went through consolidation with CCCS - PJ
- Check out Genus - in debt
- RE: Consumer Credit Corp. - bea
- Consumer Credit - Patti
- You might do just as well negotiating - Listenup
  - You can't go wrong with Suze and take her advise, cut up cards but do NOT close accts. Just don&# - use them, better for credit rating to keep them op
    - This is not true if you have multiple cards. sm - R
      - Actually, NOT having open credit accounts hurts your FICO score. - tired of FICO
      - Do not close credit card accts with 0 balance - Excellent credit here
        You really should close some of them. sm - R
        That was the old advice before FICO scores came out. - still hate FICO scores
        Where do you get your info? - Excellent credit here
        Info from 2 different mortgage officers.sm - R
        Well, that is incorrect information. You should leave your 0 balance accounts open sm - Chrissy Consumer
- consumer credit - duck

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