I already closed it, so guess this is hindsight. I didn't KNOW that so many people had issues with CRAP 1. We sure where, I can't believe the charges and late fees, and ect. I told hubby I was tired of it and wanted it paid off and closed out...seemed they charged fees even when you don't use the thing. So anyway, after reading that part of the FICO score is your avaible credit on cc and what you have used (meaning being maxed out isn't good), then I would think this was a good idea, because the credit limit on this card was $250, and it was up to $479 (once we hit that $250 limit we didn't use it, but look how it grows). SO that would mean we would have had a negative percentage on that account right. It will be interesting to see how that affects the scores. I did have the letter Crap 1 sent stating it was paid in full and closed and sent that to each of the CRA to have it corrected, so that will be done ASAP (one already has). Just wanted some input....damage is done, but glad to be rid of crap 1 just the same. WNL BUTTERFLY
