Cracking FICO? No not really. But I did observe the following..After paying off all of my debt and closing my most recently opened accounts (5 accounts that were opened during the last five years (1 5 years ago, another 4 years ago, the other three within the last two years)) so that four accounts are open, I found that my FICO jumped from 741 to 788. So closing accounts is ok if all of your credit cards accounts are nearly at zero (there is one that I use and shows a balance but is paid off each month). That balance is about 3% of the available credit.
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