<prompt> Human: So, I made a big mistake. I closed my oldest credit card. It had a measly 300 limit, and I never used it, so I figured there was no reason to keep it around. Little did I realize closing it would cause my credit score to drop from 703 to 660. I need it to be over 700, because Im looking to move into a new apartment this coming spring. How do I get it back over 700 quickly?Edit: Would it help my score to call and try to reopen the card?Assistant: There is no magical way to bring your credit score up overnight. The best thing for credit is time. Keep using whatever other credit you have responsibly and as it ages your score will improve. Closing the credit card shouldnt have dropped your score so much immediately. Closed accounts stay on your credit report for ten years, and contribute to AAoA for FICO scores for that entire time. Are you checking something other than FICO? Vantage probably?Human: I have been checking through Credit Karma. I figured it was such a steep drop because my other credit cards are newer, only about a year and a half old. I just didnt see the point in keeping a card that didnt give cash back or any rewards.  <response>: Credit Karma shows Vantage Score 3.0, which is a pile of useless garbage that pretty much no one actually considers. FICO scores are much more useful scores. Vantage doesnt consider closed accounts at all, FICO calculates closed accounts into AAoA, so your FICO score may still be higher. Even still, its generally a best practice not to close any credit card that doesnt have an annual fee since it doesnt harm you in any way. You especially want to keep your oldest account open since its your anchor, and even though FICO will still consider it, when it drops off your report in 10 years your score will take a big hit when you may not be expecting it. 