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josie57

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Close a credit accout
How do I contact this credit account Crosspointe that's be open with no balance since 2003 and would like if off the credit bureau??

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Why cancel?

Helpful to 9 out of 9 people

Does it show a credit line granted?  If it does and you haven't used it, it is still a good mark on your credit score because you have been granted credit.  It is likely that that account will eventually be cancelled by the company for lack of use.  I wouldn't worry about it.

UNLESS you pay a fee to maintain that credit.  Then you might consider finding another card and cancelling this one (do this in that order--new card, then cancel old account).  You might take a hit on age of credit and available credit, and these may drop your credit score a few points.  Check this out on the Credit Simulator program, then decide which way to go.

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