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Discussion in 'Credit Talk' started by Maer, May 16, 2001.
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I don't know anything. I don't even have good reasons to suspect anything. However, my intuition is that yes, it's still a new account. Furthermore my intuition says that it's now a permanent bad thing, forever a three-month long tradeline that weighs down your average. I'm delaying closing some unused accounts because my #1 negative is average length of tradelines whereas too many revolving accounts was #3 or #4.
But my intuition is no better than your guess, so don't act because I said so. I'm still learning.
I read somewhere about a new Fair-Isaac formula that tries to predict if a new customer will close an account after a promo interest period is over or if a new customer will pay in full each month.
I'd imagine a short-lived account might contribute to flagging you as part of this new formula, but I'm unsure if it will hurt your standard FICO score.