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Discussion in 'Credit Talk' started by Peachkiwi, Aug 14, 2003.
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Credit risk score is based on various factors. One is the average age of your accounts, and another is the age of the most recent account.
Even though you'll be with the same bank, it will be listed as a new tradeline for the new account, and the old one will be updated to indicated PAID/CLOSED and a $0 balance.
Your score will initially drop a little bit (the new account, a *slightly* larger amount on the new account, as well as the inquiry/ies that the lender used when pulling your credit), but as long as your credit was reasonably good to being with, it should be of minimal impact.
Many thanks for the info!