Is it really better to CLOSE zero balance cc's before filing?

[AfraidOfBK]

Thats what I want to know! Is it smart to close the cc's that have ZERO balance, like Old Navy, Sears, Amex, Pier 1, etc...

I havent charged on these in years.....do creditors after bk (im talking a couple years after, when i MIGHT want to buy a home) really look at each individual acct?

HAS ANYONW HAD EXPERIENCE WITH THIS? That's who I would really like to hear from...thank you

[Brighterdays]

I am leaving mine open just to see what happens. I have a few also with zero balances that I am not reporting. Home depot, elderbeerman, and lowes. I actually started a thread asking the same question. Here is the link if you want to check it out.

http://www.bkforum.com/showthread.php?t=37182

Be prepared, I had a bunch of grumpy people asking me why the helll I would care what my credit score was after BK. I don't think the get that life goes on and some of us need credit after a bk. you can read it and judge for yourself.