Credit Card Center Advertiser Disclosure†
08-21-2009 08:49 AM - edited 08-21-2009 09:14 AM
08-21-2009 08:55 AM
Nice work on upping your AAofA, and keeping your utilization down.
I would look at GW'ing your baddies.
Alliant will give you a good CL, but doesn't require one to already be reporting on your CR's - was that what you were referring to?
08-21-2009 08:58 AM
08-22-2009 04:50 PM
Unfortunately Penney does not report AU card holders to the credit bureaus, so it should not have any effect on your scores one way or the other.
This means you can carry a balance and it will not drag your score down. This also means you will not derive any score benefit for prompt payment.
Of course, the primary account holder will be impacted by your use, so keep them happy.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.