Credit Scoring Expert speaks candidly about his personal growth and asks respected writers to share content to help others improve their life.

Keep it open. Although it isn’t a buy now pay later card as a “regular” unsecured card – your secured credit card is a credit card (As with all credit cards, if you are delinquent in your payments, your credit score will suffer). Keeping your credit cards open helps your overall available credit to balance ratio. Plus, the older an account the more positively it affects your credit score. I discuss how age affects your credit score on page 56 of my book 7 Steps to a 720 Credit Score (Fourth Edition)Philip X. Tirone’s, book “7 Steps to a 720 Credit Score: Strategies for Excellent Credit” as well as Applying the 7 Steps to a 720 Credit Score Workbook”, containing samples of the forms, letters and worksheets are both included in his 7 Steps to 720 Credit Score Kit. The kit is available at www.720score.com or by calling 1-888-254-2702.For Self-Help Credit Coaching: www.7Stepsto720.com/products.asp