<prompt> Human: Hi. For the past year, I have been helping a friend clean up her credit. At this point, she has one student loan currently in forebearance five active credit card accounts all up to date one paypal account up to dateOf the active credit cards, three have 0 balance. None of the cards has an annual fee.In addition, she has three store cards which she opened and does not use. The cards have low limits. How would I go about closing them? Do we contact the card holders directly? We are aware that she will take the hit in available credit very minor, about 3800 and average age minor.Finally, Credit Karma indicates that she has three accounts that she knows nothing about. She receives no statements and owes no money on them. It is conceivable that these were opened and subsequently closed by her ex-husband. All three are to banks for which she has current accounts, so it is conceivable that these are old accounts which were given new numbers at some point. These three have high credit limits total almost 25000 and include her oldest account 11-1995, so it may not be a good idea to close them. It just makes me a little nervous to have open, dormant accounts.Many thanks. I can post specifics issuing bank, date opened, credit limits, APRs, etc if the information will help. I have very little information about the three dormant accounts.Edit 06-07 Sara has agreed to close 3 of the 4 store cards, including the 2 she opened in 2017. It appears that the dormant accounts were opened by her ex-husband and she was never removed from them. She will request the full credit report from annualcreditreport.com to see if there is any further information; otherwise, she will leave them alone. My thanks to everyone who responded.  <response>: Why does she want to close them? The minor available credit hit wont be too bad, but it will hurt her AAoA down the road when three 7 year old accounts all drop off at once. But if shes set on closing them, she just has to call the CC company and say she wants to close the accounts.Theres nothing wrong about having open, dormant accounts. She should use them once every few months to keep them from being closed for inactivity, and keep alerts on so she can see if any transactions are ever made on them because they would be easily identifiable as fraud. 