close American Gen Finance or not?

I have an account with American General Finance that I got when I bought a home gym from a local store. The account has a $4000 limit but is paid off. I have 4 major credit cards, all almost maxed out, and an AU that is maxed out. I would like to negotiate better rates on my cards and get out of debt but I don't have much bargaining power. My current score is 649. I bought a car last year but got my wife to sign the loan first as her credit was better. Anyway, would it help to close the AGF account or leave it open? I also have a paid-off Fleet Visa card with a $4700 limit. Would it be a good idea to ask them to reopen it?

Thanks

"American General Finance that I got when I bought a home gym from a local store. The account has a $4000 limit but is paid off."

This is probably an installment loan, so it's "closed" anyway.

You need to get your Beacon or Empirica scores and look at the REASONS for your score.

Most likely balance/limit ratio. Get rid of the maxed out AU. Can't you move some debts to your wife for a while?

It's unlikely that Fleet will reopen, but you might want to try.