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Old 05-31-2004, 08:31 AM   #1
Corn-Picker
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Member#: 8679
Join Date: Jul 2001
Location: Morgantown, WV
Vehicle:
2010 The most hated
vehicle on the internets

Default Question for the OT credit rating know-it-alls

How bad is it (with respect to credit rating) to dump one credit card, and sign up for another:

a: If you have a balance
b: If you have no balance

I have under 1k on my Capital One card from my "auto-x incident" awhile back, and have been thinking about transferring balances since Capital One has been pissing me off lately.

Should I wait another two months until I can pay my balance off to transfer? Or, would transferring to a "0% APR on balance transfers" card not hurt my credit rating?

Also, what's a fair price to pay for an online credit evaluation? About $25 to $30 for scores from all 3 major credit raters? I might check out my credit rating later today through this site: https://www.econsumer.equifax.com/co...ard=tri_detail
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Old 05-31-2004, 08:43 AM   #2
mr2guru
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Member#: 10334
Join Date: Sep 2001
Location: St. Louis
Vehicle:
91 RX7 LSx swap
'09 CC 3.6 4motion

Default

You won't raise any flags by transfering one balance. Just close the other account when you do. Only when you start rolling accounts multiple times in a year does it start raising red flags.
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Old 05-31-2004, 09:49 AM   #3
Soon2bSubbieowner
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Chapter/Region: MAIC
Location: Woodbridge, VA
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2011 Mazda2

Default

www.myfico.com thats the best place to buy your credit rating stuff from.
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Old 05-31-2004, 10:44 AM   #4
WagonMonster
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Join Date: Jan 2001
Location: Napa Valley
Vehicle:
2002 Legacy GT Wagon
2009 Forester X Limited

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4x4GGG is our resident credit expert, ask him
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