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Great info on this article, a lot of people are uncertain of which card to choose so this should help clear things up. Be advised though, you need to have good credit to get approved for many of the credit cards that were listed in this article.
tg101688's response was:
Here are some ways to help increase your credit score
Also keep in mind sometimes the credit bureaus don't update their info which Credit Karma retrieves to update your credit score. There have been times where it took over 3 months before there has been changes made to my report so I believe that could be a factor why your score isn't increasing.
http://www.creditkarma.com/res/img/layout/article/infographic.jpg <-- According to this link people with the highest credit scores have an average of about 7 credit cards with almost 9 open accounts total (not just credit cards). These are just averages, if your score is already excellent there may be no need to have more credit cards but if you choose to apply for new credit do it only in moderation because applying for new credit too often could lower your credit score by adding multiple hard inquiries to your report and lowering the average age of your credit lines.</p>
Dealerships will often check with multiple banks to get you the best possible interest rate. A credit check done from each bank will result in a hard inquiry from each of those banks. As long as it was you that walked into the dealership and signed the papers, then you can't dispute those inquiries. They will stay on your credit report for 2 years, but their effect on your credit score usually only lasts 6-12 months.
A closed account means you no longer have access to the credit or any features that were available on that account, and if you still owe a balance on the closed account, then yes you need to continue to pay on it in order to keep it in good standing. Once you pay it off it should say "closed and paid" or something similar.
Most of the time it usually takes up to 30 days to show up but can sometimes take longer (60-90 days)
These tips below can help increase your credit score
It is the number of points your score has risen since the previous update. If you see the same thing with a red number then it tells you the number of points your score has fallen.
Go to annualcreditreport.com to get your full credit reports from each bureau. From there you can check through the delinquent accounts. Their name, status of account and contact information should be listed on your credit report.
As far as I know I've never heard that you have to turn in or close out credit cards, but they will often advise you not to use your credit cards for major purchases that would likely cause you to fall in debt again.