I have 3 credit cards, a student loan, and a secured loan on which I'm making monthly payments(credit cards 1-9% pif each month) . I'm wondering: Is this enough ? Are any of these unnecessary? I'm particularly looking at getting rid of the secured loan that I took out for the sole purpose of building payment history and diversity. Opening it may have been a mistake if the student loan by itself would be sufficient. Thank you in advance for your time.