The "Cleaning Up" Trap 🧹
Closing old accounts feels responsible, but the credit system sees it as a double hit to your score.
The Reality Check:
📉 Utilization Spike: Your total available credit drops, making your current balances look much larger.
⏳ Age Shrink: Your average account age shortens, erasing years of established trust.
🏗️ Thinning History: A smaller profile is a more volatile profile.
The Strategy: That old card you never use? It’s still working for you. Keep it open, keep it active with a tiny charge once a year, and let it act as an anchor for your history.
✅ The Fact: In credit, "clutter" is often your best friend. Don't delete your history just to feel organized.
Comment AGE if you've closed an account thinking it would help!
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The "Cleaning Up" Trap 🧹
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