I just pulled my FICO score and it is 651. I looked at the negative items and it identifies a BEST BUY credit card which was closed at the credit guaranter's request. In April of 2002, it shows a late payment of 60 days and in March of 2002 it shows a late payment of 30 days. How is the best way to get this off my credit report? Thanks Debi

Additional info. We just did a debt consolidate loan which paid off all of our cc accounts. Should I be closing the ones with negative info or what? Thanks