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There are a few things you can sometimes do to quickly improve your score.
First if you remove debt you can request for them to recalculate with the new data.
Second if for instance you have late payments on your discover card (over the past 7 years) especially if they are recent, if you close that account it does not affect your score as much. It still will be a negative but open account late payments affect your score more then closed accounts.
Very important thing to do, keep your oldest card, credit history is huge factor, this is a long term thing. Use it so they do not close it on you. Maybe just once a month once every 2 months, but use that card!
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Now, a clever man would put the poison into his own goblet, because he would know that only a great fool would reach for what he was given. I am not a great fool, so I can clearly not choose the wine in front of you. But you must have known I was not a great fool, you would have counted on it, so I can clearly not choose the wine in front of me.
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