You may be wondering how many and what types of credit accounts you have.
A great way to find out how many and what types of credit accounts you have is to pull a copy of your credit report from all three bureaus. Your reports will list all the accounts you have, what type of credit accounts they are, when they were opened, if they are still opened and how much you owe. Although it is generally good to have established credit accounts, too many credit card accounts may have a negative effect on your score. In addition, many models consider the type of credit accounts you have. For example, under some scoring models, loans from finance companies may negatively affect your credit score.
