Why is my credit score so high?
Why is my credit score so high? Back in Freshman year in college, I naively signed up for 6-8 credit cards in a promotion to get a free t-shirt with a passed out Curious George on front. I subsequently cut up the cards they sent me and ignored the accounts. It wasn’t until two years ago (5 years past) that I learned about credit reports and freaked out when I saw how many open unused accounts I actually had. I closed nearly all of them. Now I’ve just checked my report for this year and my score is surprisingly excellent. Does my credit score not depend on the fact that all my former accounts had a $0 high balance? Aside from those, I only have one legitimate credit card, a few store credit cards, and a student loan. Also, should I try to have those unused and closed accounts removed from my credit report as they don’t actually reflect anything? I hesitate to do this as I wouldn’t want my credit to go down.
Original text: Why is my credit score so high?
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