http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-Credit-Cards/m-p/1573442#M205543 <p>I want to get a house for next year and I know that I qualify for one right now.  However I decided to wait.  But Fico is saying what is hurting my credit score the most is that I don't have any revolving credit.  I have not had a credit card in over 10 years.  Scared to get one.  However I heard that if I get one it will boost my credit score tremondously, plus my auto loan will be paid off by the end of 2012.  Any advice???</p> Tue, 04 Sep 2012 19:58:42 GMT jadeite788 2012-09-04T19:58:42Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-Credit-Cards/m-p/1573442#M205543 <p>I want to get a house for next year and I know that I qualify for one right now.  However I decided to wait.  But Fico is saying what is hurting my credit score the most is that I don't have any revolving credit.  I have not had a credit card in over 10 years.  Scared to get one.  However I heard that if I get one it will boost my credit score tremondously, plus my auto loan will be paid off by the end of 2012.  Any advice???</p> Tue, 04 Sep 2012 19:58:42 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-Credit-Cards/m-p/1573442#M205543 jadeite788 2012-09-04T19:58:42Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-Credit-Cards/m-p/1573990#M205578 <p>You need to add a revolving acct. to get the most of your scores.  Rule is don't app for new credit within 6 months of your mortgage so I would try now.</p> Wed, 05 Sep 2012 01:05:45 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-Credit-Cards/m-p/1573990#M205578 Shogun 2012-09-05T01:05:45Z