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Every credit inquiry is counted as a negative hit upon your file - especially in the case of unsecured debt. The credit file does not provide information on conduct or whether the account is closed - so there is no positive outcome possible. The easiest way to think of your credit file is to...

Rolling over half a dozen cards every 12-18-24 months is a great way of burning your credit file. The effort vs. value isn't high enough in my opinion, if only people started looking a bit more heavily on the income column, instead of the expenditure they'd realise their true potential.