Small things can have a big impact on credit score. For example, if a borrower has five credit cards and decides to reduce it down to three just for convenience sake, the borrower may not realize that they significantly altered their credit standing. By closing the credit cards their score could have dropped 60 points. That could cost them tens of thousands of dollars in interest money the next time they seek to take out a loan. All borrowers should call a professional like North Shore Advisory before making any decisions that could negatively impact credit.