I've played around on the FICO score simulator. I've found that the thing that kills you the most is having lates. The second big thing is having maxxed out revolving lines. I'd consolidate and close to one or two cards just to simplify my life, but that's just me. Unfortunately, as has been mentioned, the only thing that will fix the lates is -- not being late. You'll start to see substantiative changes in a year or so, but these credit reporting agencies have LONG memories.
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