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PATtur11

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Fingerhut account I don't plan on ever using.
Should I close that account or not? Will it increase my credit score or not?

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Top Contributor
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Is it reporting on your Credit Report?

and if so, Is it having a positive influence?  

Thats what you need to know to decide weather or not to keep it.  If an account that you no longer want to use is paid in full and reporting "Paid on time" each month and not charging you an annual fee to keep, then there no reason to close it.  It will help with the "age" of your acconts, Available credit ratio, Credit mix and total number of accounts.  All factors that help your score go up. By closing it you will lose those positive factors.  

Beware, If your intention is to close the account because it has negitive remarks such as a late payment, Closing it will not remove those from your credit history or from influencing your score because the info about the account, even though closed, will remain on our credit report for 7 years. So they don't "Just go away" if you close it. 

Good luck 

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