@Skye12329 wrote:Just wondering on how many cards is considerd the best a person should have for best score? I am thinking about trimming some of my cards. I guess the better question is do lenders care about Store cards?
A few months ago I used the Free Credit Score Estimator on here, not the one linked to your credit score, but the plain one where you enter several key factors. After multiple iterations on that, the best combination I could come up with (which still wasn't at 850 on the high end, it was 830) included letting only 0-4 cards be active. This however is distinctly a different variable than number of cards on hand, which had 5+ as the top limit. And this aligns with the general principal of FICO, it is an anti-risk model meaning the more credit you have active, and potentially creating a risk, it dings your score. Long payment history boosts the starting point and is necessary for max scoring, but reduced amounts outstanding, reduced numbers of active cards are necessary to lower that risk, raise that FICO.
So this leads me to think open cards beyond 5 is not relevant, but keeping only a few active, less than 4 active, is best.
@Anonymous wrote:
Perfect profile? Once upon a time, TransUnion had information on their website that indicated what a perfect credit score profile might look like. Please remember that nobody has verified this for us, but we thought you might like to see it. Here goes:
A few (say, 3 or 4) revolving credit cards, each with very high lines of credit ($10,000+), and very low balances on only one (or maybe two) of them at a time.
At least one charge card (American Express, Diners Club, etc.).
All tradelines (information about each account) at least six months old, and at least one more than three years old.
No derogatory notations.
Very few inquiries -- no more than one to three in a six-month period.
At least one "installment" tradeline in good standing, i.e., a mortgage, auto loan, or student loan.
You need 4 or more credit cards with 10k+ CL (Bank calls "Premium Card") to achieve highest possible FICO
I can achieve this within the next year. 
@Anonymous wrote:
@Anonymous wrote:
Perfect profile? Once upon a time, TransUnion had information on their website that indicated what a perfect credit score profile might look like. Please remember that nobody has verified this for us, but we thought you might like to see it. Here goes:
A few (say, 3 or 4) revolving credit cards, each with very high lines of credit ($10,000+), and very low balances on only one (or maybe two) of them at a time.
At least one charge card (American Express, Diners Club, etc.).
All tradelines (information about each account) at least six months old, and at least one more than three years old.
No derogatory notations.
Very few inquiries -- no more than one to three in a six-month period.
At least one "installment" tradeline in good standing, i.e., a mortgage, auto loan, or student loan.
You need 4 or more credit cards with 10k+ CL (Bank calls "Premium Card") to achieve highest possible FICO
I can achieve this within the next year.
You are already there pretty much just need to combine few cards 