Should I close these credit accounts?
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You should close most or all of those store credit card accounts. If you have been repaying your Visa, Mastercard, and loans on time, you should have plenty of credit. While I don't think closing them lowers or raises your credit score, they become a nuisance since they typically have higher interest rate than major credit cards. I carry only a visa on me and I never really needed another card in 25 years.
Should I close these credit accounts?Your credit score will take a hit in the short term if you close any credit line. Make sure you only close them if the balance is fully paid off. Once these cards are gone so is the temptation to use them. Store credit cards also have notoriously high APR's so they're a rip off.
As for your Visa and MasterCard it's advised you keep them open but keep them for emergencies or use one for emergencies and and the other like a bill that you pay the balance in full each month (things like gas, monthly subscriptions, online purchases).
As far as I'm aware student loans, like a mortgage, are considered "good" debt and does not factor unfavorably into your credit score.
Your credit score will increase as your level of debt decreases.
If you weren't paying on time very often then paying on time consistently on every account will improve your score as well
Remember that credit card companies are private business so your debt can be negotiated, and this is the best time to do it in today's market. Call up your companies and negotiate a lower APR, a better payment plan, or even a lower balance.
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