I remember back in the days of Norewest financial and American General (showing my age I know - lol!) that the type of creditor factored into your overall credit score.  Does this still ring true?  Does it make sense to close sub-prime cards (like Orchard and First Premier) and open a secured card w/ a CU?  How many and what type of tradelines are optimal now? 

Thanks for your input.

K