@VanderSnoot
Lots of viewpoints on the closing of accounts.
Keeping cards with minimum use may take away from maximizing one's rewards goals. Then again, one needs to be aware of affecting "average age of accounts". Speaking on this, I had a closed Cap1 drop that was very old and my Ficos took a noticeable hit and today, I am still not at max on Ficos due to AOA (loss of this really old account).
For me, got tired of trying to keep all cards active in today's world where financials don't want cards sitting in the sox drawers (who can blame them?). Now truth, in the last five years I have culled the herd of more than five cards and lost over $80K in CLs. Did however pick up new cards that fit my spend pattern today and it works! 
officially reached 670 "Good" credit for the first time in my life on my Fico 8 score with Transunion according to the Discover app. I have hit the Good range a few times with my Vantage scores, and still trying to reach that goal with my Experian Fico 8. I dont have faith in Equifax...
Starting Score: 512
@sportsguy83 wrote:As expected my EX dropped 12 points (745>733) now that my Altitude Go reported. TU isn't updated but I'm expecting a similar drop. I'm sure I'm getting dinged for the inquiry (TU), new account and high individual utilization. Still pleased (finances over FICO!), only thing that will help is time. On the positive side was able to pay off my small Upstart loan, so should get a minor bump for that next month.
TU dropped 30 points (753>723), I know it was artificially high so it didn't really drop that much but ouch!
@sportsguy83 wrote:As expected my EX dropped 12 points (745>733) now that my Altitude Go reported. TU isn't updated but I'm expecting a similar drop. I'm sure I'm getting dinged for the inquiry (TU), new account and high individual utilization. Still pleased (finances over FICO!), only thing that will help is time. On the positive side was able to pay off my small Upstart loan, so should get a minor bump for that next month.
I have come to learn that the only thing that will help my profile is time as well (and patience). I will be updating my reports on the 30th and know I will be in the 700 club. AZEO (not counting Amex NPSL) and plan to continue to do this for some time. Score of 750 across - finances over FICO but I need just want to see those green circles all across. Looking forward to reading your posts (and all those in the challenge).
