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Regular Contributor
ninjamike81
Posts: 198
Registered: ‎08-16-2012

3 credit cards to optimize scores

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‎09-16-2012 06:53 AM - edited ‎09-16-2012 06:54 AM

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 WALMART FICO 664 EX FICO 708 LENDER PULL 3/10/2013 EQ FICO 692
Goal Score: 750
WALLET: CAP ONE UNSEC $2000, WALMART $500, CHASE FREEDOM $1000, CITI SIMPLICITY $1200, DISCOVER MORE $1500, BBRZ $2200
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Mega Contributor
LS2982
Posts: 14,365
Registered: ‎04-09-2011

Re: 3 credit cards to optimize scores

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‎09-16-2012 07:02 AM

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 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 721 5/16/2013
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Regular Contributor
ninjamike81
Posts: 198
Registered: ‎08-16-2012

Re: 3 credit cards to optimize scores

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‎09-16-2012 07:08 AM

Perfect thank you for the info and fast response

Starting Score: TU 583, EX 683, EQ 653
Current Score: TU WALMART FICO 664 EX FICO 708 LENDER PULL 3/10/2013 EQ FICO 692
Goal Score: 750
WALLET: CAP ONE UNSEC $2000, WALMART $500, CHASE FREEDOM $1000, CITI SIMPLICITY $1200, DISCOVER MORE $1500, BBRZ $2200
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Regular Contributor
MontegoMack
Posts: 165
Registered: ‎01-21-2012

Re: 3 credit cards to optimize scores

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‎09-17-2012 01:15 PM

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 6.5k
BBRZ MC 800 (SD)
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