I have 2 accounts that are inactive. Should i close them to improve my FICO score? Yes, I will not use them again but they show payment was always made. I have new credit over the last 3 years. I also have chargeoffs from 3 years ago that will drop off in 4 years. What do you guys advise? I am inclined to close the inactive accounts knowing that my credit will be clean in 4 years. I may be married and looking for a house at that time.