Riverside first time home buyers credit should you close that account?

First time home buyers in the Riverside real estate market, among other things, have to pay close attention to how they manage their credit.
Unfortunately combining internet misinformation and advice from well meaning friends and family can have disastrous results on your first time home buyer credit and ultimately keep you from buying your first home in Riverside.

It would seem like common sense that if you have an account on your credit report that you're no longer using, the prudent thing to do would be to close that account.

But common sense and FICO "score sense" can be very different and not knowing the difference can have "unanticipated consequences" on otherwise good first time home buyers credit score.

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