The internet tells me that my credit score represents the risk a lender takes in lending to me. Seems like closing accounts early suggests relatively low risk. But anyway, why would the fact that I no longer hold long term debt negatively impact their likelihood to make money off of me? Whether the account is closed or still has $100 left to pay on it, it shows that I can take on a long term debt, never miss a payment, and pay off that debt within a reasonable timeline. Shouldn't that suggest they're more likely to make money off me again in the future? And what about credit cards that I pay off immediately so as not to accrue any interest? They're not making any money off of me there either, but as long as I don't close the account, it still positively impacts my credit score. If I keep these credit card accounts open for the next 10 years, won't they increase my credit age and, as a result, my credit score, even if they never make a dime of interest off of me?