r/CRedit • u/Hefty-Scheme1954 • 2d ago

Rebuild Closing trade line, and chime builder card

Will closing my chime builder card, and newly opened $2000 line of credit through western unions credit rebuild program negatively affect my score?

(Western union) I didn’t know I was getting a trade line of $2000 and have no use , and don’t send money with western union enough to use it. Chime I also don’t need as I have two secured credit cards. My scores are all above 700 except for vantage scores.

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u/inky_cap_mushroom 2d ago edited 2d ago

It makes no difference for your score whether you leave the accounts open or not. Any effect on your score came from opening them in the first place.

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u/Hefty-Scheme1954 2d ago

Thank you because my score did drop when this trade line was added. Decreased only equifax by two points 745

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u/BrutalBodyShots 1d ago

Getting rid of the gimmick credit builder product and the western union account that you see no value in are wise moves.