at://jaystevens.me/app.bsky.feed.post/3m6ps6kmesk2e

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Record JSON

{
  "$type": "app.bsky.feed.post",
  "createdAt": "2025-11-28T21:08:46.859Z",
  "langs": [
    "en"
  ],
  "reply": {
    "parent": {
      "cid": "bafyreihjbxirqd5hdtd62ekxb7yddw2oomad24vk63gauallcni2dj3qdu",
      "uri": "at://did:plc:nkkdls4c67lfagg735y7ywpq/app.bsky.feed.post/3m6pjvdr2ps2r"
    },
    "root": {
      "cid": "bafyreigwwcebix5rju27dkdxdk63mreg2rkvtbwtoip5slygh4wlt2k6em",
      "uri": "at://did:plc:c3pa7lzzwzr4h4sbcpdsrfxt/app.bsky.feed.post/3m6pitd66vk2q"
    }
  },
  "text": "Most likely what happened is that this is one of the oldest accounts on their record.\n\nThe longer you have an account = the more interest you pay to the same company = the more profitable you are.\n\nSo closing old accounts lowers your credit score. Paying off an old loan counts as closing an account"
}