<prompt> Human: I received my FICO credit score and it has just fallen under 600. I am horrified. I went from 710 to 590 in about a year. I was recently divorced and had some late payments on the cc I put the divorce on. I most likely have too much revolving credit. I am not in collections for any debt and I am caught up with cc payments. Question 1- will continuing to make payments on time improve my FICO Score ,if so how long will it take? 2. If I pay off cards should I close the accounts or keep them open? Finance is not my strong suit but I do try to be sensible. Any advice is appreciated.  <response>: This is a friendly reminder to visit our FAQ entries on Credit The following areas may be of interest: Credit Reports FICO Credit Scores Improving Credit Scores and Building CreditAlso, please visit our FAQ!I am a botrAutoModeratorcommentsq11puwhat_is_automoderator, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?to2Fr2Fpersonalfinance if you have any questions or concerns. 