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No. of Recommendations: 2
Two other revolving credit accounts (credit cards) are zero balance and idle, after having been paid off completely.

If you don't want those idle cards closed, I would suggest using (and paying off, of course) those idle cards every few months. You need to be aware that, due to increases in utilization ratio and/or decreases in average age of open accounts, closure of idle accounts can decrease your credit score.

A couple of years ago, my oldest account (@ 18 years) was closed because I hadn't used it for a while. I knew that risk and was okay with it because my next oldest account (@ 16 years) was still pretty active and I was already using a very small portion of my available credit. Combined with the fact that I didn't foresee the need for any additional credit in the near future, I wasn't worried enough about the account closing. When it did close, my score dropped about 5 - 10 points, and has pretty much recovered since then. However, since you are planning on applying for new credit in the future, I would suggest that it's probably something that you ought to be concerned about.

In the next year or so, I'd like to buy a house. My 1999 Toyota will also need replacing at some point. So, headed toward the mortgage process, I was looking to see the credit score, and if there were any reasonable actions I could take to improve it.

With a 771 score, you're in pretty good shape for qualifying for a mortgage.

In order to keep your credit where it is (or even improve it), if you will need new/additional credit (loan or lease) to replace your car, or for something like furniture for the house, etc., I would definitely suggest waiting until after you have closed on the house before applying for the new credit, if at all possible.

AJ
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