Help with building credit

[Jesi Naomi]

High BP, I’m very new yet have had years of credit cards, building credit and working on consolidation. 

My question is if a credit card company closes out your card/ account from not using it overtime does this affect your credit poorly? I’ve been told if you personally close your own account it will affect your credit, and that if a bank closes your account due to inactivity, it does not affect your credit. 

(what if you have too many credit cards and you’re trying to consolidate them and you wish to leave them alone and let them close?.)

I have student loans that were just recently forgiven, through the SAVE program. I’m additionally, wondering if that’s gonna affect my credit.
If anybody out here, has any advice or resources for building, credit personally, and for your business specifically, I’d so appreciate it.

Give thanks!