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Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
0

3 credit cards to optimize scores

[ Edited ]

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: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
0

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: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Regular Contributor
MontegoMack
Posts: 201
Registered: ‎01-21-2012
0

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? 

BofA Cash Rewards Signature Visa 5k
Chase Freedom 9k
BBRZ MC 800 (SD)

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