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credit score/unused credit cards

i read recently that you credit score is affected by the number of credit cards in your name,even though they are not in use.ive always cut my credit cards/store cards up when 0% offer finishes but never rang up to close these accounts

where can i find out all the cards in my name that maybe are still open so i can close these accounts and improve my credit score

Comments

  • anna42hmr
    anna42hmr Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    ropper wrote: »
    i read recently that you credit score is affected by the number of credit cards in your name,even though they are not in use.ive always cut my credit cards/store cards up when 0% offer finishes but never rang up to close these accounts

    where can i find out all the cards in my name that maybe are still open so i can close these accounts and improve my credit score

    you can see what credit accounts are open or settled by getting reports from the credit reference agencies (ie experian or equifax) alternately if you still have the old statements from the cards, you can always call the company up to see if they have closed the account or not
    MFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..
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