<prompt> Human: Hi,Recent college graduate working full time.I have a Barclays card that allows me to check my Fico and updates me when it changes. Mine has gone from a 7XX to 635 and Im not sure why. Well, I kinda know but am really surprised.I have 4 physical credit cards. Another Amazon one never ever use it and some Polaris card that is somehow in my name I have never used this. I run a small businesshobby and charge a lot of stuff to my credit cards. Usually come within a few dollars of maxing them. I ALWAYS pay them off in full and on time. Ive never missed a payment or not paid in full. It says my score goes down due to length of accounts being open and credit utilization. I get it, but does 70 points seem normal for someone who pays on time? I also like to utilize them so I can get higher limits in the future.Barclays card started 800, now at 4880Chase Sapphire 5000Chase - 2000Amex - 2000Edit - The Polaris and Amazon have 5k limits as well, but I never use them. Looking for advice to get my score back up to the 700 or higher territory. I know my score may slightly be affected due to credit applications for auto loans I never took out an loans, just shopped. Didnt know they affected my score. I recently applied for a new limit on my 2000 chase and got denied, but then got accepted for the sapphire a week or two later. Im done doing anything that can cause a hard pull.Assistant: Get rid of the Polaris card. Dispute it through the credit report agencies. If you continue to pay your bills, you can request a credit line increase so the percentage isnt so bad. Human: My dad had said it is better to leave it and not use it than cancel it. I know its a loose end, but I guess it could still help reduce the overall utilization across all accounts and increase the duration of the average account.  <response>: While this is technically true in theory, the damage that could be caused by a fraudulent account could be catastrophic.Get this fraudulent account removed from your account IMMEDIATELY. Ask for credit limit increases or apply for a new card to help with utilization. 