When in our credit repair program there is a lot of power with open accounts. It is not a good idea to close unused cards or pay off an installment loans quickly. It’s usually best to keep all credit cards open, active and on-time. Closing an account could raise credit utilization rates and drop a credit scores. You are being scored by the accounts you have open, if they're closed there are less accounts to be scored on. Community credit repair will go over other strategies when closing accounts can be a good idea.
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