Moneysavingexpert.com/ Your Credit Rating discussion area

Hi all,

I, like most people on this thread have just checked my credit rating, which is good. However experian says that a negative point is the amount of lenders I have (two credit cards with 2k on each and a 1k overdraft) the majority of which isn't used. Which leads me to my next point, a positive is that I have used very little of the finance available to me.

So, i have too many lenders - negative
but i have used very little of the finance - positive

to improve my credit rating do i close one of the cards - reducing my available credit and increasing the percentage used, or just leave it alone? Any help would be greatly appreciated. it just seams like a no win / no loose situation.

Thank You in advance

James