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Pay off those credit cards, and ask them to lower your credit limit. If you have a high amount of available credit then that is potential for trouble, and therefore it lowers your score. If you ever need a higher credit limit again you just call them again, and ask them to raise it.
Closing accounts does actually raise your score. From 2000 to 2003 I refinanced my house 5 times. The act of paying off and closing the old mortgage raised my score each time even though I was getting a new mortgage for the same amount each time. The last time I checked my score was 801.
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