 to drive an 800 credit score you have to get in debt and stay in debt and pay it regularly i pay my credit cards off every month or i don't use them at all and they're open will damage your credit score so will closing them will damage your credit score but closing them is the path to get to zero and that's where i would recommend you go is to zero and it's okay to not buy a house immediately by the way it's going to take about six months for this to happen