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I take pleasure in a credit card which I alsways pay rotten in full, put aside for a fewoccassions when I accidentally paid overdue. Does it affect my credit score score if I closecredit card accounts I havent used for over a 12 months. I dont use them any extra so Iname them and had them closed. I revenue that late adjectives the time and I wasquestioning if that may impact my credit evaluation? I do not perceive what credit analysisis..can somebody clarify in extremely simple phrases? and what a obedient and weak creditrating is? How do you get a upright rating or a unpromising one?Although it is advisable to input a bank card, chances are youll cancel your free trial within30 days with out cost. Print out your credit rating data and store it in a protected location forfuture reference. As credit score scores might change depending on loan funds or othermonetary features, solely use the knowledge as a information for future reference.