I have 4 visa, 4 retail, 1 current installment loan, 1 paid off installment loan since my Chap 7 Bk was filed in Nov '98. Maybe I am wrong but it seems to me that you have good credit and 10- 20 accounts. I apologize if I am wrong about this. Am I correct and what are your thoughts. There must be some logic as to why you have so many accounts. BTW, I deliberately want 9-10 accounts at this time tobuild credit. As they age, I will cut down the number. Thanks and anyone else who has an opinion; please state it. I don't plan on buying another house for 2 years soIi am not trying to fit the suspected FICO model exactly at this time.