[cnst]

It's proprietary info, part of the scoring models. I think the magic number for best score is actually 20+, but it also counts the closed accounts over the last 7 to 10 years, too.

I recall seeing this in Credit Karma or maybe Experian's FreeCreditScore at one point (that you have to have 20 or 21 accounts for the best score), but cannot find it right now. I think it's a relatively well known number.

[lttlrck]

Credit Karmas business is collecting fees when people sign up for credit cards and lines of credit they push... they are hardly neutral.