I would only take those comments appended to your CR for what they are worth... general comments not based on your CR.
There is no such thing as too much credit, or too many accounts.
ONce your credit score is generated, they look for factors that have traditionally put consumers at risk in future FICO scoring, and is just a broad-based warning, based on general trends, of impending risk.
I dont blame the scorng warning that having 36 accounts is a risk. I agree that it may be, , for the avg Joe the Plumber does not have the fortitude to monitor 36 open accounts monthly, ensure that each is paid timely, and to maintain a % utiil on each within acceptable FICO limits.
I, for one, can say that 6 accounts is about my own personal limit of time and monitoring. To keep each of 36 open accunts active by showing actiity within the last six months, then monitoring % util on each, and then due dates to avoid lates on each, is not something most consumers would know to do, let alone do.
Would you not agree, that is is proper alert to the average consumer?
If you can manage all of that, then their comments about too many accounts is kiinda silly. But those comments are not directed to you indiv CR, but only to trends.
