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The Credit Repair Guy Says: Posted on December 2nd, 2009 at 10:58 am. If you are not in default, DO NOT Close the accounts. The older the account " In Good Standing" the better your score. Simply shred the card so you will not use it, but your score will ... Private Label credit reports do not reflect as well on your credit report as major credit cards do and they typically carry much higher interest rates. Closing an account will have a negative impact in the short term. ...

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