Too Many Accounts?

[Anonymous]

Yeah- I pull lots of reports-

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@Anonymous wrote:

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@Anonymous wrote:

"Too many accounts with a balance" is 20+ points for me.

No hit for "Too many Accounts"

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How do you know? Did you pull 2 reports and FICO scores where the only difference was paying off some cards? Did you do this by transferring balances (no effect on overall UTI) or paying down (also reduces overall UTI)? How did you compare for "too many accounts". I'm having a hard time thinking of a way to change the number of accounts without some other effect (changing overall UTI by changing total CL, eliminating good/bad account history, ding for any "new account" added, etc., etc.).

Thanks

Message Edited by BobSki778 on 04-16-2008 01:28 PM

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[Anonymous]

I guess what I'm asking is, even if you pull a *lot* of reports, how can you be confident that you isolated each those 2 factors? It's extremely difficult to make any change to your credit report that only affects one factor. Can you enlighten me on how you accomplished it? I'm really curious.