Optimizing scores

[Anonymous]

I assume others have commented , but I just pulled my 3 bureau here with all the various scores.   I can't help be amused at the reason codes though:

Bankcard 5: You have too few or too many revolving accounts

Bankcard 4: You have too few or too many credit card accounts

Couldn't they have put in just a little extra code to indicate whether it was too few or too many?   And there must be a magic number/range.

[Anonymous]

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@Anonymous wrote:

I assume others have commented , but I just pulled my 3 bureau here with all the various scores.   I can't help be amused at the reason codes though:

Bankcard 5: You have too few or too many revolving accounts

Bankcard 4: You have too few or too many credit card accounts

Couldn't they have put in just a little extra code to indicate whether it was too few or too many?   And there must be a magic number/range.

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Getting demanding now.  The magic number range is between somewhere less than and more than enough.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I assume others have commented , but I just pulled my 3 bureau here with all the various scores.   I can't help be amused at the reason codes though:

Bankcard 5: You have too few or too many revolving accounts

Bankcard 4: You have too few or too many credit card accounts

Couldn't they have put in just a little extra code to indicate whether it was too few or too many?   And there must be a magic number/range.

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Getting demanding now.  The magic number range is between somewhere less than and more than enough.

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As a test, I just applied for 400 new credit cards.  Once they report, I will see if the reason goes away.  If it doesn't, not sure if I should apply for lots more, or close most of the cards and wait 10 years.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I assume others have commented , but I just pulled my 3 bureau here with all the various scores.   I can't help be amused at the reason codes though:

Bankcard 5: You have too few or too many revolving accounts

Bankcard 4: You have too few or too many credit card accounts

Couldn't they have put in just a little extra code to indicate whether it was too few or too many?   And there must be a magic number/range.

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Getting demanding now.  The magic number range is between somewhere less than and more than enough.

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As a test, I just applied for 400 new credit cards.  Once they report, I will see if the reason goes away.  If it doesn't, not sure if I should apply for lots more, or close most of the cards and wait 10 years.

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All of the above.

[Themanwhocan]

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@Anonymous wrote:

I assume others have commented , but I just pulled my 3 bureau here with all the various scores.   I can't help be amused at the reason codes though:

Bankcard 5: You have too few or too many revolving accounts

Bankcard 4: You have too few or too many credit card accounts

Couldn't they have put in just a little extra code to indicate whether it was too few or too many?   And there must be a magic number/range.

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https://www.youtube.com/watch?v=aU4pyiB-kq0

[kaw943]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I assume others have commented , but I just pulled my 3 bureau here with all the various scores.   I can't help be amused at the reason codes though:

Bankcard 5: You have too few or too many revolving accounts

Bankcard 4: You have too few or too many credit card accounts

Couldn't they have put in just a little extra code to indicate whether it was too few or too many?   And there must be a magic number/range.

---

Getting demanding now.  The magic number range is between somewhere less than and more than enough.

---

As a test, I just applied for 400 new credit cards.  Once they report, I will see if the reason goes away.  If it doesn't, not sure if I should apply for lots more, or close most of the cards and wait 10 years.

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are you for real you applied for 400 ne credit cards???? what is your score now?

[CreditCuriosity]

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@kaw943 wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I assume others have commented , but I just pulled my 3 bureau here with all the various scores.   I can't help be amused at the reason codes though:

Bankcard 5: You have too few or too many revolving accounts

Bankcard 4: You have too few or too many credit card accounts

Couldn't they have put in just a little extra code to indicate whether it was too few or too many?   And there must be a magic number/range.

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Getting demanding now.  The magic number range is between somewhere less than and more than enough.

---

As a test, I just applied for 400 new credit cards.  Once they report, I will see if the reason goes away.  If it doesn't, not sure if I should apply for lots more, or close most of the cards and wait 10 years.

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are you for real you applied for 400 ne credit cards???? what is your score now?

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lol

[Anonymous]

Fico = Goldilocks

The magic no is: your age x 5 / number of household pets - the current temp (Calvin). Everyone knows that!

[Anonymous]

Oops Kelvin w/ a K

[Anonymous]

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@Anonymous wrote:
Fico = Goldilocks

The magic no is: your age x 5 / number of household pets - the current temp (Calvin). Everyone knows that!

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Current temp where?   Where you are, or at the CRA?   Sounds pretty hard to get it right, just as you do, the temp changes and you get dinged....