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I just found it odd because it does NOT say it for Trans, which does have more accounts on it
You are already close to maximum FICO score. You already qualify for the lowest interest rates possible and the best credit cards, mortgages, car loan, PL, with your score. Getting to 21 accounts can not possibly improve on your situation. If this was a building, you would be on the roof. No place to go.
....enjoy the turkey and stop worrying
so no truth to the old "lenders look at more then just scores" thing?
You are correct, lenders do look at more than scores if you applying for something that requires a manual review (like a mortgage). But unless you were mistaken, and they not actual real FICO scores, it is impossible for your score to reach 800 and still have the negative things lenders look for in a manual review.
This is not comprehensive list but things they look for are high utilization, recent apps for credit (high number), and thin files. I’m not going to list the obvious things like late payments, charge offs etc.
If your file was thin, which is what the need for 21 accounts is implying, you would not have a score above 800. Btw when I say “need” I’m not saying you feel that way, I understand that it’s the various score sites that are suggesting this.