Itâs best to use 2 or 3 digits (01 or 001). 1  Employeeâs name. 2  Job title (the title of the job performed by the victim) 3  Date of either the injury or the onset of the illness. 4  Where the event occurred. Be more specific than a wide area, such as âwarehouseâ.
In the short-term, closing a CC can have an adverse affect on your UTIL percentage calculations and this in itself can definitely lower your scores. In the long-term, a closed CC in good standing (nothing derogatory reporting) with a $0 balance will generally be deleted from your CRs (credit reports) after 10 years.
However, like most things in life, closing a credit card isn't entirely negative--it also can have its advantages. For example, if your card has an extraordinarily high interest rate or miscellaneous fees, the money you save by closing it may be worth any negative effects on your credit health.owever, like most things in life, closing a credit card isn't entirely negative--it also can have its advantages. For example, if your card has an extraordinarily high interest rate or miscellaneous fees, the money you save by closing it may be worth any negative effects on your credit health.