Credit Card Question

Dear Gil,

I have credit cards that I have paid off but have not canceled.   How does this affect my credit rating?  Would my credit rating or history look better look better if I paid off the accounts and closed/cancelled the cards?

Thank you for your help.

A-day
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Dear A-Day

That question is somewhat loaded.  You should know that your FICO score is dependent upon a number of factors.  Two of which are:  balances on available credit lines, and the types of credit used.  If you would like to raise your FICO score, you should always do so in writing.  Afterwards, make sure you cut up those cards and continue to build upon your great payment history.  ....And keep up the great work!

Gil