******DO NOT CLOSE ACCOUNT****

If you want to boost your score do not close account.

Those old account shows your payment history from begning in report. The longer green history in your report the better score. 

Do use all credit card frequently that doesn't mean max out. Use two card this month and keep at home next month,yse another 2 next month and on and on.

Do not charge over 75% of your limit at any time.Maxout will drop your score.

It does not matter how much you charge monthly on card, It matter when you pay the card.

You can pay all amount on due date.

***Do not pay late even one hour after your due date.*****

To avoid that set up online account and you can pay anytime.

if you do not have money to pay then pay minium amount on due date then pay rest later.

if you have cell/home phone,electric etc remember those also to pay by due date.to avoid late payment put all of those bills on one credit card so they automatically charged on due date.you don't have to worry about those 3 bill and late payment. you can always get your paper bill to review anyway.

If you subscribe any thing on trial period which said bill me later make sure you pay them or cancle that.Even 1 dollar remain and they did not get paid,they may send to credit report.

**Try to avoid collection account.***

spirit