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Question By
amyjoe8588

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score is low because of # of accounts,most of those accounts are closed and from several years ago.
accounts in good standing just closed.. but #of accounts reflects badly on CS

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Your score could be low because of not having sufficient history of active credit accounts.  Please read the articles here so you can better understand what is needed for a good credit score.

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I wouldn't take what CK says too seriously, it say one need to have 21 accounts to be in "Excellent" range, but it also says to in "Excellent" range for inquiry? You can only have 2 or less inquiries, how do you get both in excellent range at same time? In 10 years maybe, if you buy a car or 2? Then it might takes 20 years lol.

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Not saying couple more accounts would not help with your scores/profiles, however if you already have 5~ish? Then more isn't really necessary needed for purpose of boosting your scores. Closed accounts in good standing still boosting your scores and certainly help your credit profile.

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Reply by
JohnnyRain127

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I was wrong! you need to have ZERO inquiry to be in "Excellent" range.

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