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Forgotten credit card is still open


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Hello, I just checked my trashed credit and discovered I still have one credit card open with a $500 limit and I have over 7k in collections. My score is at an all time low of 514, cried when I read that. Should I leave the card as it is or should I try to use it, would it help in the rebuilding process?

 

 

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Hello, I just checked my trashed credit and discovered I still have one credit card open with a $500 limit and I have over 7k in collections. My score is at an all time low of 514, cried when I read that. Should I leave the card as it is or should I try to use it, would it help in the rebuilding process?

 

 

Whats the name of the card? It's tricky because some cards will pull your credit after a long period of non-use and close the card if they don't like what they see.

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Guess I will let it die off. It was nice seeing that they didn't run off like Macy's and my Best Buy card, had no balances on those things for years and they just dropped off the report.

 

What do you mean "just dropped off the report"?

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Guess I will let it die off. It was nice seeing that they didn't run off like Macy's and my Best Buy card, had no balances on those things for years and they just dropped off the report.

 

Why not order a new card and keep it active if the account is still open? You need some type of open accounts during credit repair.

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