Not really. FICO dings you for having more than 2 installment loans, or more than 4 revolving accounts. Plus you get dinged for having more than 2 "outside" inq

Not really. FICO dings you for having more than 2 installment loans, or more than 4 revolving accounts. Plus you get dinged for having more than 2 "outside" inquiries in a year. More points disappear from your FICO for having a balance, or for having revolving accounts that have been opened in the previous year. Having a dozen accounts opened in a year (if even possible) triggers a high abuse potential and can even get existing accounts closed in a pre-emptive strike.