Keep paid off credit account open or close

Jae14

Hi, 
In August, I purchased a laptop from Currys using 12 months interest-free YourPlan credit. I paid it all off at the weekend. I don't have any plans to purchase anything else from Currys and I want to improve my credit rating. Is it better to leave the account open to maintain my credit utilisation or to close it so I have one less account open? 
Thanks in advance, Jill.

[Deleted User]

As always, it depends.  You don't have a credit rating, but three files of credit account management. 

If you have other accounts and a solid history, then the closure of a single account will have little impact. But if your history is thin or patchy, you may want to keep it.

DCFC79

If you can I'd get a credit card and close the credit account but as above it depends on your history.

cymruchris

What other lines of credit do you have? If you have a number of well maintained regularly paid off credit cards - then yes you could close it down, but if you only have one card with a low limit I'd keep it open. The answer needs to be tailored to your personal circumstances.