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I closed my credit card and bank accounts before leaving US

Date: Wed, 09/14/2005 - 23:04

Submitted by imconfused
on Wed, 09/14/2005 - 23:04

Posts: 6 Credits: [Donate]

Total Replies: 2


for the past 2 years, im out of the US. i closed my crdit card acts and my bank accts before i left. i paid all my bills since i knew i will not be back for long. end of this month, im planning to come back. do these 2 years of not having any cards affect my credit history?


Hi

Welcome to the forums.

Since you didn't have credit cards for the two years, credit scoring models have not been able to generate any credit scores also for you. It was because sufficient information about your credit was lacking.

You should begin up by opening a retail, gas or secured credit card to begin your credit history. Keep your outstanding debt moderate and pay your bills on time. This will help you in getting additional credit offers from the lenders.

You should always be alert in getting too many credit cards either providing high balance or giving large credit balance. This will lead to negative impact on your credit scores depending upon all the overall credit history.

Take my suggestion that you should open only those credit card accounts which are necessary.

Don't worry, you will have a very smooth beginning in the US. We will be waiting to hear from you soon.

Regards
Roxette


lrhall41

Submitted by roxette on Thu, 09/15/2005 - 10:51

( Posts: 4009 | Credits: )