Closing unused credit cards can sometimes have a negative impact on your credit score, especially if it reduces your total available credit and increases your credit utilization ratio. It’s generally better to keep unused accounts open, as they contribute to your credit history and available credit. However, if you have accounts with high annual fees or accounts that are negatively impacting your score, it may be worth considering closing them. A credit repair agency can provide guidance on which accounts to keep open and which ones to close.