I think the FICA scoring system is a scam created for the credit card companies. Example; Me and my wife paid off and closed two credit card accounts, this was due to there high interest rate. We then opened a new account with lower rates and better benefits. By doing this it dropped our credit scores, so we get punished by your scoring system for doing the responsible thing with our money. It is a no win situation, if you keep the bad accounts you pay more in interest, if you close them and open better one's you get a bad... read full review »