Now that I have pulled my credit report -- I am seeing 33 revolving accounts -- 13 active. Of the 13, I have 5 of them that are old, old department store accounts that have been inactive for years. is it hurting my credit score to have these open -- even though there is no balance and no activity?
is it smarter to cancel all of these excess cards (Sears, Target, Macys etc) or is it better to leave them on since they show I have credit and do not use it? I am desparate to clean up my credit score so I want to do the best option. thanks.
