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3 credit cards to optimize scores

Regular Contributor

3 credit cards to optimize scores

I've been reading about score optomazation it says I need 3 for higher scores will these three do it

 

CREDIT CARDS

cap one                                   500.00 CL paid as agreed no lates   reports to all 3    opened      7/1/2012

walmart                                   300.00 CL paid as agreed no lates    not sure all 3     opened      9/13/2012

chase freedom                        500.00 CL   not sure if they report to all 3                                     9/14/2012

 

anyone know if walmart and chase freedom report to all three cra's


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
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3 REPLIES
Mega Contributor

Re: 3 credit cards to optimize scores

They will report to all 3 and those cards are excellent for fico points. 1 store card and 2 CC's is good.



EQ FICO 548 3/3/16
Message 2 of 4
Regular Contributor

Re: 3 credit cards to optimize scores

Perfect thank you for the info and fast response


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 3 of 4
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Frequent Contributor

Re: 3 credit cards to optimize scores

Now when you say "credit cards" do you mean only credit cards or charge and signature cards too?

 

In my signature you'll see that I have an AMEX PRG (charge), AMEX Gold Delta Skymiles (credit), a BBRZ (credit) and just today upgraded to BofA 1-2-3 Signature card. 

 

Should I be worried that I'm not well rounded in my portfolio to maximize my credit score? 

Amex Platinum - Amex BCP - Chase Freedom - NFCU Platinum -
Message 4 of 4