I am new to the board and not as seasoned as most hear but I do know to Be careful about closing out accounts. You will lose your credit history. It is best to let them remain open even of you are not using them. My girlfriend closed out several accounts and her score dropped nearly 100 points, then she was unable to open them again because her score was so low.. (it is confusing I know)..if they are not reporting because if inactivity you could use them for maybe gas and pay it off within 30 days.
CS 728- 01/13 from 554-12/11
Goal: 800
