How many credit cards should you have for a good credit score? If you’re one of those people who holds up the line at stores because you’re trying to figure out which of your 10 credit cards to pay with, it may be time to do some consolidating.

Wells Fargo has a limited-time offer for customers where they’ll give you a free credit score and free credit report through November 16, 2014. Unfortunately, the score you get is not your real FICO score. It is a made up score calculated with the bank’s own proprietary scoring model.

A FICO Score is a brand of credit score — FICO stands for Fair Isaac Corporation and Fair Isaac is the company that developed the software program used by the credit bureaus to compile and calculate credit scores for U.S. consumers.

Few financial figures are as important as a credit scores. The three-digit figure has a major impact on daily life — dictating what consumers can buy, how much credit they can obtain and even where they choose to reside.

Your credit score report can be affect by more than your available credit history. We talk about how credit cards, mortgages, car loans, and any type of loan that reports to all 3 credit bureaus will affect your credit score. We don’t always talk about utility companies and how they can have a negative impact on your credit report. Here are utility companies I like to consider non-creditors. In other words these companies don’t give you a line credit, they just provide a service.