I'd advise never closing a line of credit. Why do it? I'd also never open store credit cards...just stick with the major banks.
My Experian score is 848 and TransUnion is 847 as of this morning.
I have over $100,000 is credit card credit, but my current balance is like $500. The thing that is "hurting" my near perfect score is my relatively short length of credit history. I have no idea why I can't get a perfect score. I think one month, it was literally 849 and it's been bouncing between 845 and 849 for like 2 years. The credit/balance ratio I think really helps my score.
http://www.experian.com/blogs/ask-ex...coring-ranges/