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Go to myfico.com and pay the $45 for your 3 credit scores. They will tell you exactly how each account impacts your score, and offer suggestions (like closing specific accounts) to improve it.
There are things like wanting to have a really old credit line around, but excess credit can hurt. Best bet is to do the above and have them tell you what's going on in your situation.
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-- Greg
-- Author of various FOF utilities
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