Anyone know of any?I have like 5 individual store credit cards that I rarely use (closed a couple that I don't use anymore already)I have one major credit card that I use regularly and the balance is typically 1/4th of the credit limit.I have another major credit card that I don't really use at all. I own no real estate.I have no outstanding undergrad loans.I have never once paid any credit card late or paid anything less than the full balance. Any suggestions?
Another thing you can do is to have a parent add you as an authorized user to one of their credit cards that they have had for a long time (just make sure they never missed a payment or were late). Its a loophole that allows you to basically adopt their length of credit history. All you need to do is have them call the cc co. and add you, but you dont need to get a card, know the acct info, or anything like that. Doing this increases points by adding to your length of credit history and increases your credit availability because theoreticcaly you will have access to this card.
wait...so if i'm reading this correctly... your credit score drops if you close out a card?