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@marty56 wrote:I had to go to the Experian site to get their credit report which gave a better indication of what accounts were opened and closed then here (sorry Barry).It seems that some CCCs (BoifA,Wells Fargo) didnt close my account when I entered DMP so they were still helping my scores. People here in DMP or are thinking about it take note.I still have a 7500 CL BofA card at 0 balance which is open. That means I need to pay down 2400 to get my real util to %5. This will be done by the end of the month.I knida new I was living on borrowed time with those open accounts and it is interesting that the Wells Fargo account has been paid in full for over a year and suddenly they decide to close it.Never close an open account (even at 0 balance). The 15 and 4 point drop on my EX, EQ score was enough to knock me out of the High FICO achiever and go from Very Good to Good.