With respect to your closed account see https://www.thebalance.com/how-can-i-remove-a-closed-account-from-my-credit-report-960399
Regarding paying your accounts efficiently see:
https://www.daveramsey.com/blog/how-to-pay-off-credit-card-debt
https://www.creditkarma.com/credit-cards/i/how-to-pay-off-credit-card-debt-fast/
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