A tip to increase your score

Do not close your old credit card accounts. Old established accounts show your history, and tell about your stability and paying habits. If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open. Closing your account will actually hurt your score. Eventually, your score will go up again. I don't recommend closing an account if you are in the process or planning to get a loan soon.