1. Assuming that closing the account has no effect on the debt utilization ratio, would the score go down simply because my active accounts are more recently established than this one? 2. Why would anybody think that closing an account increases credit risk when it should signal the opposite conclusion, namely that the consumer is not credit hungry? 2. Isn't it possible that keeping the card might actually reduce the credit score because it is another open trade line that is just enough to be too many?