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tluclo14

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Does having to few accounts affect my credit?
I have only two accounts, not very, in good standing yet my credit score us very low.

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Credit Karma Team
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Hi tluclo14,

In general, more accounts indicates greater credit worthiness. Having a diverse mix of different types of accounts is considered beneficial to your score. However, it is certainly possible to have a good score with only a small number of accounts. Your on-time payment history and credit utilization are generally the two biggest factors in your credit score, depending on the specific model used to calculate the score. 

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