Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 108
Registered: ‎12-26-2012
0 Kudos

About building my credit

¡Hi everyone!


I currently have 631 CS. I would like to get a credit card to build more my credit. I would like to know what would be the best credit card to get in order to start building my credit profile.


Any help would be appreciated!

Posts: 3,367
Registered: ‎10-19-2012
0 Kudos

Re: About building my credit

Where did you get that score from? There are many types of credit scores available out there...

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0 Kudos

Re: About building my credit

Hello, and welcome to the forums.


In order to help you, we really need a little more information. Did your credit score come from myFICO, or did it come from another site? As HiLine said, there are many types of credit scores and we need to be sure that we're comparing apples to apples. Also, have you pulled a copy of your full credit report? If so, are there any pieces of negative information ("baddies") on there, such as collections, charge-offs, judgements or late payments? Do you have any active accounts, and if so, what type? Credit cards, installment loans such as car payments, student loans, mortgages, etc? How much do you owe on your accounts relative to their credit lines? How old is your oldest account, and what is the average age of your accounts (AAoA)? Have you applied for credit recently, and if so, how many inquries are on your report?


None of this is to pry, but rather to help evaluate your situation and give you the best possible advice. Different credit cards have different approval criteria, and the information above will help to determine which cards are likely to be a good match for you at this point in time.

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Regular Contributor
Posts: 108
Registered: ‎12-26-2012
0 Kudos

Re: About building my credit

Hello and thanks for the fast response:

I would like to apology for not being so specific i'm starting to learn about all of this credit topic.


-The credit score is from equifax
-Last time I pulled my credit report was on 4/14/12
- About the "baddies" I only see a negative account (I don't know if that's good or bad was a loan but it's already paid in full)
-My active account is a Mortgage
-I used to have a student loan for 5,000.00 and I was supposed to pay it starting december 26 2012, but I managed to pay it in full before the date mentioned (I have the certification of paid in full)
–AAOA is 1 year 10 months
–If we say that the student loan don't count for being ing paid in full I still have another loan of 2,200.00 that I will pay in full by january.
–My credit report pull on 4/4/12 shows 2 credit inquiries (one is the mortgage and the other is furniture)

I hope this information can have help.

Thank you,


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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.