Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
Re: # of Accounts - Really help or hurt?

OP, Welcome! Ignore CreditKarma's advice. It isn't FICO-related and the scores offered via CK are non-FICO scores (we call them FAKOs) called VantageScore and TransRisk. The advice on CK is often counter-productive and contradictive to FICO scoring. In some cases taking their advice will hurt your FICO.


21 accounts is too high. There are plenty of success stories in here of FICO scores in the 800s with only 3-4 accounts.