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Posts: 10,860
Registered: ‎12-30-2011
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Re: Credit One Bank Credit Card

[ Edited ]

As a quick note, this thread is from 5 months ago and the OP has transitioned into a better credit profile (NFCU for starters).

 

CreditOne and FP do serve a purpose, for some they're almost mandatory but for others there may be better options.  It all depends on one's individual credit and finances as to whether they're a good fit for any individual.

 

I'd agree with the sentiment that 1 card simply prolongs the process of rebuilding, and that 2 absolutely better 1, and 3 perhaps slightly better than that.  That last part (two vs three cards) is hard to quantify though on paper for aggregate payment history and getting out of thin-file status, three cards is worthwhile especially if the rest of one's positive history is slim.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)


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