28 open accounts? 5 reporting balances should not be hurting you then.
FICO is not using the new scoring system yet of that I am positive. You might be getting penalized for dormant cards. Only think I can think of. That's why I decided to trim the herd. I was having a problem putting decent usage on all of them so I now only have 5 that get used all the time. I PIF before the cut date on nearly all of them.How exactly do you "trim the herd"? Some of these accounts that were closed by me show no activity since 1998 or 1999. I don't even have the account numbers any longer. How do you go about having them removed? I'm also confused about the Paying in Full before the cutoff date. How do I know what that date is. In other words, I ran this report on the 11th and had already set up my bank to pay the 5 monthly charges on the 12th. If I ran another report say on Tuesday might I get a different score?