Originally Posted by
StartinSanDiego
That's exactly the kind of data that reflects the need to pull your report and deal with the information it provides. Everybody has such a different profile.
My credit score one year ago had too FEW accounts (3 or so very aged credit cards, a paid off car loan, one home loan, an equity line). The mysterious FICO formula indicated that my future creditors would like to see a tad more activity on my part.
You are right, but I wouldn't rely too much on the mysterious FICO advice that comes back. Those engines are programmed to provide feedback, even if there aren't any major factors, so it's often gibberish or contradictory in my experience.