<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by Family flyer:
Originally posted by burgerwars:
I asked for a credit report via Trans Union a few months ago. My score on it (similar to the Fair Isaac score) was 931 out of 934. That score alone should dispell the myth that having too many unused credit cards will hurt your credit record.</font>
You may want to go back and check your info. There are two main scores, Fair Isaac and Beacon. Both scores range from 300 to 850 - not 934. Even if there was a score that went to 934, it would be impossible to get a score within three points of perfect with hundreds of credit cards.
Having said that, it is true that moderate credit card switching will not have a huge impact on your score.
When I applied for a home loan, that was Fair Isaac. I don't remember the score the loan officer there told me, but he did say it was one of the highest scores he has seen.
That said, nothing is impossible. While I post here, I prefer to keep my identity private (my real name isn't burgerwars, as you could have guess). But I'm willing to show you my Trans Union credit report, but you must come meet me in person.