Discover Card shows my FICO score as 844, with the following warnings:

Your FICOŽ Credit Score is affected by the Key Factor(s) below:

1. TOO MANY ACCOUNTS WITH BALANCES:
Too many accounts with balances suggest greater risk to lenders. For credit cards you pay off every month, your credit report may still show balances, since it generally shows the total amount on your last statement.

2. TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS:
A consumer finance company loan on your report indicates you're a higher risk to lenders.

About those items:

1) Out of eight credit cards, two show a balance. It's paid in full within a couple of days of the statement, but of course, month to month those two cards (MC and AXP, in case it matters) do show a balance. In all cases, each card has about 5%-8% of usage on the average.

2) Besides the credit cards I mentioned above, there are a few mortgages, all of them with zero balance/paid off except for the current one, and one current car lease being reported.

So, I guess two cards out of eight is "too many with a balance", and one car lease is "too many consumer finance companies"?

Anyway, just curious, 844 is pretty darn good, so I'm not complaining.