credit rating question
 

before i bought my house, my credit score(fico) was higher than after i bought the house, its now about 30 points lower.. I can understand why.. but my question is... If I close some open/revolving accounts, will my score back up?

bump

depending on if those revolving credit lines are maxed out? How timely have the payment been in the last 24 months? Alot of factors involved but creditors like to see revolving credit for substantial amount of time being paid as defined. Lot of factors nothing is cut and dry in credit reports. Need to know alot more info also as to whats on your credit and what your overall debt ratio is. And so on

not maxed out, about 3/4 maxed.. and yes, last 24 months never late

YOu need to have your revolving accounts under 1-2 used to help your credit. Anything over 1/2 will hurt it
Also alot of credit enquiries will drag you down too.