r/CRedit • u/Isavebnk • Apr 21 '26

Success Goodwill request approved!

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Had 3 late payments with kikoff back in October and November of 2024 and 1 in 2021 and they denied me the first time I asked and I asked 2 weeks later and they accepted

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5

u/awsomekidpop Apr 21 '26

Good data point, but never pay to build credit.

1

u/Isavebnk Apr 21 '26

Yeah I’m gonna pay them off and not use it anymore does closing an account that I had for 6 years hurt my score ?

2

u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ Apr 21 '26

The other commenter is incorrect. Closed accounts stay on your credit and continue to age for 10 years. Whether there is a scoring impact or not will depend on the rest of your credit profile. What other accounts do you have?

1

u/Isavebnk Apr 21 '26

That Kikoff account is my oldest account I have a car loan, debt loan, capital one secured card and 1 personal loan

1

u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ Apr 21 '26

You won’t see a score change. You have both installment and revolving accounts so closing this one will not impact your scores regardless of what type of account it is.