If you notice an unexpected change to your credit score, don’t panic—it’s probably not because you’ve been accidentally neglecting to pay your cell phone bill or an anonymous benefactor paid off your mortgage
For most people, thinking about their credit–and trying to improve it–usually isn't a rollicking good time. But your credit is so important that when you do need it–say, when it’s time to buy a house or a car–you'll really wish that you had given it some thought.
While cutting up credit cards might make us feel more on top of our finances, it's not necessarily therapeutic for your credit score. Even cards that you don't use anymore and carry sky-high interest rates can help your credit score.