traceyfry

 They are close , but if you want your real credit score, the only place to get it is through my fico. There could be a major difference in scores. Credit karma is great to monitor your credit and you generally no where you stand, but my scores are much higher on my fico then on here and my fico is the one most major banks use to extend credit.

 Fico likes to see $0 balance on all cards , but a small balance reporting on one card seems to tweek your credit score for maximum potential I have found.

 Credit inquiries do stay on for 2 years, but fico only counts them for the first year.

If you alredy have a high utilization and you have cards maxed out of your own, then closing this would decrease your available credit, thus driving your utilization even higher . Your score will definately take a hit. On the other hand, if your utilization is very low , then you have nothing to worry about. Close it . Keep in mind that this may lower your AAOA  if it  is one your oldest accounts. This in it self could lower your score.

 How many inquiries do you have? 36 points is alot, so  I suspect you have something else going on. I would go over your credit report again and look for other changes. When i app. for amex I took a 1 point hit on experian.

 They stay on your report for 2 years, but they are only factored into your real fico score for 1 year.

 approved jan 25th  2000 limit ck score 640, tu fico 720 ,tu  fico equ 753

 Approved with ck score 660 ,  tu fico 710, eq fico 751.  $6800 limit w/ 0 apr for 1 year. Instant appr.

 Myfico is the only true credit score and the one that lenders use most. My ck score is 670, But my fico scores are 764 transunion , 751 equifax. Experian 817 These are my real scores.

 ck score 670  , trans 764, and experian 817 . Was approved 2000 limit , 0 apr and no annual fee

 Also tell them if they should try and take you to court you will be using that as your defense. It does work because I did it. I also wrote a letter and told them if it wasn't taken off my credit report asap, I would file a lawsuit against them and sue them. Mine was off within two days and my score jumped over 20 points

I to have recently opened a few new credit cards for the same reason and I also have a 0 balance on my other ones. It has increased my credit score dramatically and I now have received preapprovals from discover. I applied and was given a 4000 credit line with no annual fee and 0 apr. I did wait at least two months and received a second cap. one with a higher limit. .  I recieved a card and two weeks later I received my discover. I dont have many inq and I waited and used the stimulator. When it said my score would rise, I applied. My credit is better than ever and my debt is 500.00 out of thousands.

 My score on Experian is 817, and here it is 680. Transunion score 764

Was approved ck score 670 , t/u 764, experian 817 4000.00 limit 0% apr. 5% cash back. Customer service fantastic

669 ck score approved 1000.00

approved 616 ck score 500.00 limit