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Why You Shouldn't Always Close Paid-Off Accounts
Manage episode 204881306 series 1280679
เนื้อหาจัดทำโดย Alfie McFadden เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Alfie McFadden หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal
Is it a good idea to close lines of credit once they’ve been paid off? Let’s take a look at the answer to this question today.
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Recently I was asked an interesting question: Should lines of credit be closed once they’re paid off?
In general, no. If you’re searching for a home, this is especially important. One of the main ways lenders will judge your status will be by looking at your credit ratio.
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For example, if you’ve got a debt of $2,500 on an account with a $5,000 credit limit, your ratio is 50%. Even if you were to pay this amount off, the $5,000 credit would still be recorded so long as the account remained open. This will make your ratio look better than if you were to close down the account. One of the main ways lenders will judge your status will be by looking at your credit ratio.
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If you have any other questions or would like more information about this topic or about building wealth through real estate in general, feel free to give me a call or send me an email. I look forward to hearing from you soon.
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