Another credit quiz. Which accounts do I close? Also? I am so confused. I read that I should keep my oldest

I am so confused. I read that I should keep my oldest cards embark on and if I have a nothing balance on cards, they wouldn't hurt my evaluation, but in my credit report analysis, it list one of my negatives as have opened my first tale 7 years ago and not having a long giving history with themI never used the card. Should I close the depiction? It suggests that accounts with no pay history could hurt me. So do I close the $0 balance accounts? I own about 7 accounts that haven't be reported on in years. I surmise 4 of those are still open.
Also, I hold paid rotten accounts and it has not be reported. It is still reading as those old balance. According to my credit report, my score hasn't changed since october and I enjoy significantly less debt. Since the balance are $0 and I am no longer maintaining a transfer of funds history, will they report the changes, and if so when?
Is it the generous balances, or the number of accounts bloodshed the score. I have 2 late settlement last year, thats it.

Answers: Don't close the sketch... but if you never use the card, it won't say "salaried as agreed." Do NOT close the accounts. You should have have activity inwardly the last six months, so use the cards and reimburse them off. Using the cards, even if you take-home pay off the symmetry at the end of the month, will show a set off. THE LATE PAYMENTS ARE HURTING YOUR SCORE.

Close the a/c's that you are not using as it shows that you still have access to abundantly of credit which makes you a potential debtor and sort sure that you pay in good time, that is the switch.

well if you dont use your credit cards light give one to me i'll use it lol!!