Effect on credit rating if the bank closes your credit card?

[KingB]

While I concede that the insurance carriers use credit score in underwriting, do you really think that if my credit score is high to begin with (775-800) and I kill my Sears card that I never use and has a $12k credit limit that my home and auto insurance premiums will be adversely affected? I wouldn't think so.

I really have not paid attention to my credit score. I don't know what it is. Is there a link that shows insurance carriers look at the credit score. And what happens when you have your credit frozen with the credit bureaus? Where will the carriers get the scores?

 

[gozer]

Apparently this has just recently changed. According to this article the reports now do show payment history and whether the balance is paid in full or carried forward month to month:

Credit reports now show your credit card bill-paying habits

Sweet, they are coming around.