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This will have a tremendous impact on your score. The amounts that you owe will also play an important factor in the determination of your FICO score and should be considered. Canceling credit cards will not adversely affect your score much.It will impact your credit score but the potential result is negligible, and therefore it is not worth paying annual fees or dues simply to maintain an open line of credit. Maintaining a card that has no activity is essentially pointless.his will have a tremendous impact on your score. The amounts that you owe will also play an important factor in the determination of your FICO score and should be considered. Canceling credit cards will not adversely affect your score much.
Simply having student loan debt will not negatively impact your credit score. In fact, if you make on-time payments, student loans can positively impact your score for several reasons. 1  Builds payment history. 2  According to FICO, your payment history makes up 35% of your score.3  So having a record of consistent, timely student loan payments will boost your score. 4  Adds credit diversity.ow Defaulting on a Student Loan Affects Your Credit Score. If you stop making payments (default) on your student loan, your credit score will go down. Late student loan payments will hurt your score in much the same way as late payments on any other type of account.