<prompt> Human: My open accounts average 7 years 2 months. If I close an unused card of 1 year 8 months my average should move to 8 years 6 months. Is this worth messing with? I know PF usually likes to wring every once out of everything. Also, would that score be maintained if I added an authorized user my mother to try to boost her score for refinancing her ARM loan on her house?Thoughts?Assistant: It will make literally zero difference in your life in any way. Stop obsessing.But closing a car doesnt remove its history.Human: It would remove from the open accounts list. My credit utilization is 0 63 of 24k. Wouldnt that give me a boost to being closer to the 850?Assistant: The AAoA wont change for 10 years when it falls off. Being closer to 850 is pointless. Why are you so obsessed?Human: I wouldnt call it obsessed, more driven to best utilize my resources. Im looking to refinance my house after I get it re-assessed. Bought 12 years ago, paying 5.25 fixed 30.  <response>: Once youre 720-740 range, a higher score doesnt make much of a difference. 