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Navin Johnson, The Jerk

I've Always Wondered About This - Which One is True?

Bad Credit - How Do Open Lines Of Credit And Accounts Affect My Score?

It also will depend on the model of credit assessment whether an open account affects your credit score negatively or not. This means that for some lenders an open account will equal a negative factor and for others it may be positive. Thus, finding a balance may be difficult but it is not impossible provided that you understand how to maintain some sort of equilibrium between open accounts and the balances on them.