Well, I finally got the last of the free insurance quotes for auto insurance today. I guess I have a better deal than I thought. I called my local guy to find out why my rates went up. I haven't made any claims, nor has anyone else so it didn't make sense to me. He said that for one thing, insurance has gone up a bit and second, I have too much open credit???? I explained that I don't use any of those accounts and that they are all zero balance. Doesn't matter. So, today I am closing every one of them to see what happens.