If you have bad credit like me, you should be taking steps as of this moment to help rebuild your credit. I have a useful guide at this link. If you don’t mind paying, you can check out crystalcreditrepair.com for membership and gain access to all the secret guides that will help you bump your score in no time. Here’s an excerpt:
2) Don’t close accounts. Fair Isaac has made it clear that closing accounts can never help a
classic FICO score and may hurt it. With FICO 08, that’s even more true. You get more points
for having open accounts in good standing; conversely, having a higher proportion of closed
accounts can hurt you more.

