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Proceed With Caution When Closing a Credit Account It's easy enough to apply for a credit card today only to forget about it over the next year or so. However, that account still remains open and active on your credit report. Consequently, this can have an affect on your overall credit rating since having too many credit lines open could make you look like a worse credit risk in the eyes of lenders. The Truth About Selling Your Structured Settlement If you're receiving payments from a structured settlement, periodic payments may not be enough if you suddenly need a large sum of money. However, you have several options for selling your structured settlement which can be a fast way to solve an unforseen financial problem.