Do you recognise all the accounts recorded in your file? If there are any that you no longer use then consider cancelling them. Don’t jump straight into this, there are a couple of things to consider. Closing an account can have a short-term impact on your credit score because you will effectively increase the proportion of your total available credit that you are using. For example, if you have two credit cards, each with a limit of £1000, and you’re carrying a balance of £300 on one of them you are using 15% of your available credit. If you cancel one of the cards you immediately double the percentage of your total available credit that you are using to 30%. Lenders like to see customers using credit prudently and raise warning flags that increase in severity as your usage passes 25% and 50% of your available credit. So, cancel any cards you’re not using if you are well within the credit limits on your other accounts.