Close unwanted accounts
Did you know that the amount of credit you have available to you can also negatively impact your credit rating, even if you have no debt? This is because lenders see you have the potential to borrow lots of money and get into debt, even if you never do. There's also a greater possibility of fraud, as in theory you won't be checking your statements regularly
So if you have lots of bank accounts and credit cards you never use, close them.