6 credit report score killers
Active accounts you closed -- or never opened
You closed a store card after you moved. Or you finally got around to asking your daughter to close the card account you co-signed for when she was in college. The next time you pull your credit report, if enough time has elapsed, it should show that those accounts are closed, Dosher said.
Glancing at your credit report "is a way to verify that you have closed them and the dates are correct," she said. If what should be a closed account your credit report lists as open, that's a good time to contact the issuer and find out why.
Another thing to look for is accounts you don't remember opening in the first place. Absent a mix-up, that could be an "indication of identity theft," Dosher said.