I suggest that you not close any accounts, particularly if they are in good standing and are accounts that you have had for more than 2 years. I would consolidate all of my cards on a low interest account with perhaps the credit union, or a low interest rate loan. Preferably the credit union, where you will have a smaller minimum payment, and as you will also see more of that payment going towards the principal. That is what helped me. However, I was advised to close a couple of long standing accounts, which were in good standing by one of the refinance companies when applying for cash out option to pay down my debt and that was the worst mistake I could have made. It took some time to bring my credit score back up
