The too many accounts with balances ding is a minor one. I wouldn't worry about it. Consolidate your loans if it makes sense financially, e.g., if you can get a better interest rate.
Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720Take the FICO Fitness Challenge
