Unfortunately I’m too scared to see my big financial picture on paper because I know that I’m deep in the hole thanks to credit card companies staking out poor college students on campus and funding two degrees at a private university. I’m going through a divorce so I won’t have the savings from the shared expenses to put toward the debt. I read tips at http://www.girlsjustwannahavefunds.com that have been helpful because I’ve seen the stockpile of change raise in the savings account.

I did recently check my credit report and found that I have five credit cards open that I have not or never used in several years. Does keeping them open, albeit unused, help or hurt my credit score? Would you suggest that I close the accounts if I never intend to use them?