staticjacket wrote:Credit Karma thinks this is poor and I need more debt!
Be very careful relying on CK.
CK is not saying that you need more accounts. CK says that there is a correlation between those with high scores and those with a large number of accounts. However, remember that correlation and causation are not the same thing. One does not need to have a large number of accounts in order to have high scores. Also keep in mind that CK indicates that this factor has a low impact. Stop fretting over number of accounts. You probably have bigger issues that you need to address. Focus on the factors with high impact first.
Also, do not conflate accounts and debt. Installments generally require debt but revolvers do not.
staticjacket wrote:I'm curious how you go about helping this within reason as not to have a bunch of hard inquiries on your record.
Despite how people tend to obsess over them inquiries are also a smaller factor and even CK indicates this. If one is seeing a bigger impact from an HP then one has bigger issues to address. HP's may have a bigger impact for those with thin profile and/or issues with their profile.
We'd really need more information about your profile if you want help. Generally speaking, if you have any derogs then you need to work on getting them removed if possible. Derogs tend to have significant impact and tend to hold one's scores down as long as they are on reports. If you revolving utilization isn't in check then get in check as it's also another high impact factor. However, generally just aim to keep it under 30%. You can lower it as needed when applying.
staticjacket wrote:My transunion only has 6 accounts, and my equifax only has 9 (score of 675).
Don't overlook Experian.
CK's scores are only relevant to creditors/products that use a TU or EQ Vantagescore. Your mortgage lender will not use a Vantagescore.