myFICO lists "too many accounts" as one factor that impacts my score. However, I find it odd that all my past accounts that are closed are counted as *accounts*. Furthermore, my previous mortgage company sold the loan to another firm (it's a typical practice and all loan companies can sell the loans to another firm). Unfortunately, it was counted as TWO accounts and hurting my score. The loan transfer is completely out of my control. Can someone please explain why this is like that and if there is any way to alleviate? Those accounts I opened ten years ago are still showing as "accounts" even they had been closed long time ago.
