Improve File by Closing Accounts

missuscolumbo

I have quite a few different credit facilities with catalogues and the like that have very low balances.

I am planning on clearing these balances off and closing the accounts as my exposure is definitely presenting as a risk factor right. I know it is somewhat arbitrary but my "Score" with noddle has tanked in the last few months - and the only thing that has changed is several of these companies have massively upped my credit limits prior to the run up to Christmas (my available credit is now higher than my annual income so definitely problematic)

Aside from 1 late payment at the opening of an account 3 years ago there is nothing in my payment history that would cause concern. I'm up to date with payments on all my accounts and no arrangements.

Question is this - I am looking at taking out a loan in the New Year, so how soon after closing these accounts would my profile improve ?