dianadabinett

I have quite a few credit cards but use only three of them.  The others I have taken out over the years, paid them off and then put them in my drawer.  I really thought that they had all expired as when the banks would send me new ones,  I would not bother to activate them.   When I got my free credit report I saw that most of them were still listed as active and that my credit score was lowered because of that.  Although I had not used them the potential was there.  In order to improve my score I needed to cancel them in writing.