Im trying to boost my credit score. I had 9387 dollars in credit card debt and as of yesterday paid it all off. I then combined one of my capital one cards that had a high rate of 25 percent to one with 14 percent. The one with a 25 percent rate was open in 2009. I have another I want to combine that is at zero balance but it was open in 08 and is currently my oldest card. If I combined it how would this affect my score? If I leave it as it is will it help my score. I ran a simulator through experian and it showed my score going up 60 points but when I ran a sim through my discover card it drops 40 points even after I put in the sim I paid off all but 2 of my credit cards. My balance owed accross the line is 1230 of 60000.