Reply
Regular Contributor
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: 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
Mega Contributor
Posts: 15,442
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
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: 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
Regular Contributor
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)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.