@Anonymous wrote:
My Mother literally has only 2 accounts. An old Sears charge with a $9.00 a month balance and a credit card from the Credit Union with a few hundred dollars charged on it. (house has been payed off for years, paid cash for her new car, pays cash for everything). Her scores are 793 TU and 813 EQ. So... I really don't think lack of accounts is hurting her one bit.
It does but it doesn't effect the score much at all..
FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
