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As far as I'm concerned, there is no such thing as too much available credit so long as you manage it well. As for the lenders who asked you to close some accounts, tell em to fly a kite and go to another lender. If for some reason you must close some CCs, please read the link in my sig line, closing credit cards.
addaniels wrote:
Hello - I have the same question for the same reason - we are trying to refinance a mortgage as well in a short period of time. We were advised to pay off some credit cards and to close some of those accounts since we had way too many credit card accounts open. Is there a downside to closing credit accounts? I have heard both sides and not sure which is best regarding increasing a credit score Thanks! a newbie couple Art and Denise)
Thank you. I found your advice extremely helpful.
Moved spring12's post to rebuilding credit