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I don't mean to hijack the thread, but can anyone point me in the right direction on a thread that includes information on the different tradelines you should shoot for and advantages of doing so? I understand having installment loans vs revolving accounts and such. Not that I want any of them, but I am curious about Lowe's cards, Home Depot cards, Amazon, etc...aren't these all just revoloving accounts, does it make a difference in having them or are they just easier to get and that's why people have them?
Well I can't afford Nordstrom lol
@Anonymous wrote:I don't mean to hijack the thread, but can anyone point me in the right direction on a thread that includes information on the different tradelines you should shoot for and advantages of doing so? I understand having installment loans vs revolving accounts and such. Not that I want any of them, but I am curious about Lowe's cards, Home Depot cards, Amazon, etc...aren't these all just revoloving accounts, does it make a difference in having them or are they just easier to get and that's why people have them?
They're typically easier to get it, but you don't (IMO) want an abundance of low limit store accounts.
They don't make any difference as far as your score vs normal cards. They don't help or hurt any more than a low limit "regular" credit card would.