Pepper asked:


I am currently a college student with 2 checking accounts (Wamu- 3 years & BOA- 1 year) and 1 credit card (Citi- 1 year). I have always met the requirements for my checking accounts and paid all my credit card bills on time. As for loans, I do have about $10,000 of student loans in debt. I was wondering if it is okay for me to get another credit card. Also, many say that having a lot of credit cards are bad for you. What is the reccomendation of how many bank accounts and credit cards should I have so that my credits would not go down? Thanks in advance!

Kalah asked:


I’ve done it before but I just can’t remember how to get a free credit report if i’ve recently been denied credit.

Perry asked:


If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?