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mattyg8806

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cc in oct racked up 500 all payments on time if i pay it off and close will my score go up short act
all payments on time got the card in oct paying it off by the end of march

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Pay + close equals score drop.

Paying an account in full is good.  Closing the account is bad because part of your credit score is from how much available credit you have.  When you close an account you remove whatever the credit limit you had on that account from your total and that will lokwer your score.  Pay the account and keep the card. Use it once in a while to keep it active.

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