Michael Ackerman, a Seattle real estate broker with Coldwell Banker Bain, blogs about not closing your credit card accounts even when you are not actively using the card. One of the credit score determining factors is how much of your available credit is currently in use. By limiting the amount of available credit you have available to you, you may be lowering your credit score. It is best to leave these accounts open with a zero balance. Always consult a professional mortgage lender for details! If you have any questions or comments, please send your email to michaelackerman@cbbain.com or visit www.mackerman.com.