Thats the thing about this mystical credit system. When I was readying myself for a mortgage I did a lot of research and there is so much contradictory info out there. Depending where you read it, too many cards is bad, old open accounts are bad, no no old accounts are good, having cards is good with low balances is good.
They need to standardize this info, explain it and then go with it. Having 4 different methods for computing scores, weight of each area, is wrong especially in a financially driven society like ours.
I think you should be able to see your credit report and score 365 times a year free. It is your info :shrug:
