Thank you for all the comments.. I completely understand that the score I have now is bad,, but its better than where I came from just two and half months ago. I have been working on all of my baddies, removing inaccurate information , paying all bills on time and along with managing the percentage usage of credit card usage of no more than 15%. Based on my work I'm sue I can reach my goal by summer 2013. My main question was just the number of credit cards in order to help me with the process.
Starting Score: 523- 9/24/12 FICO