<prompt> Human: They say that 6 is not bad, 13 is good, and 22 is excellent! Why on earth would you ever need that many lines of credit unless youre Donald Trump? Isnt having too many outstanding loans a bad thing? I could see maybe having a couple of credit cards, a car loan or two, and a mortgage, but 13 accounts?!  <response>: Youre looking at that backwards. Its not you need a lot of accounts to have great credit. Its a lot of people that have great credit have a lot of accounts.Also, keep in mind that going to school for 4 years, and getting loans all 4 years, can get you like 32 accounts with minimal effort. 