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Close credit card or not?

Tarebare
Posts: 11 Forumite
in Credit cards
I am just checking through my credit reports having managed to go through a few years of good finance after being a poor student and not having a very good credit history. My first credit report looks reasonably good but there are 2 credit cards where I have "1 month" late payments back in 2001/2002. Since then, everything's been on time.
The company I'm checking at the moment say the scores will stay on my file until 6 years after the account has closed, which is good news for one of the cards as I closed it a while ago and it shoudl drop off my file middle of next year. Unfortunately, the credit card which I still have and use had 1 late payment on it in 2001. Is it worth getting rid of this card so that in 6 years it will be off my account? Or is it far enough in the past that it won't really matter anyway?
Thanks!
The company I'm checking at the moment say the scores will stay on my file until 6 years after the account has closed, which is good news for one of the cards as I closed it a while ago and it shoudl drop off my file middle of next year. Unfortunately, the credit card which I still have and use had 1 late payment on it in 2001. Is it worth getting rid of this card so that in 6 years it will be off my account? Or is it far enough in the past that it won't really matter anyway?
Thanks!
0
Comments
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I late payment in 5/6 years should not affect your overall credit score.0
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