@Anonymous wrote:I have a single Mortgage and 3 CCs that are all newish. I'm rated as a "thin" file according to Experian based credit reporting services because of only 4 active accounts. My average account age is 7 months, so if adding another credit card will help should not effect other age scoring much. I haven't found anything else saying <5 is a thin file though.
I paid off 20yr and 21yr old mortgages, a car loan, and long term CC was closed for non use recently. So I opened 3 credit card accounts the day my Mortgage closed knowing my credit score would take hits either way. FICO 8 is around 725, bankcard score is 796 after the dust settled. Appears I was penalized about 15 points from the oldest CC closing (dropping me under 5 active accounts, but also effecting age of active accounts, or any matrix that considers longest active account).
You have enough accounts.
you can add accounts if you want but don't do it to improve your scores, because it won't
