I had a secured credit card with XXXX XXXX for several years and then I was issued an unsecured XXXX XXXX XXXX card. Since I had the unsecured card, I did n't feel it was necessary to have the secured account any longer and I requested that XXXX XXXX close the account. The account was always paid on time and I was never late. As soon as I requested the account to be closed, my credit score dropped tremendously. I am in the process of trying to qualify for a home loan and I think that is totally unfair for the credit bureaus to have that much control and could virtually cause an individual not to be able to purchase a home because they paid off and closed an account. Does n't make sense at all. 
