I filed bankrupcy, 8 years ago because of a self-employed business. That lowered my score some, but it is getting back up! I have closed all my credit card accounts, in fact all I have now is a debit card. On my credit history, it says that I don't have enough active credit cards. I had a Capital One at one time, but I paid it off and cancelled it! I got a Belk Credit Card at Christmas and I paid it off, and did not use it, but kept it because it would help my credit. My credit history said that it lowered my credit because the balance limit was only for $400! I am trying to find ways to up my score! Is there any fast tricks?