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Regular Contributor
Posts: 184
Registered: ‎04-06-2013
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How many tradelines for a 700-800 club score?

Hello all :smileyhappy:

 

I have 4 revolving tradelines on my credit report:  a BOA card, a GE Retail card, and two cards that I'm an AU on.

 

How many tradelines should I open before I head off to the garden and patiently watch my scores go up?  2?  3?

Let's see how far we've come...
06/2012 - Mid score 556, BoA Secured Card $250
09/2014 - Mid score 733. Chase Freedom 6.5K | Amex Everyday 6.5k | Discover IT 6.5K | BoA Rewards 10K | Ashley Furniture 5.5K | Amazon Store Card 1.5K | Closed on our mortgage 07/2013!
Frequent Contributor
Posts: 405
Registered: ‎07-31-2010
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Re: How many tradelines for a 700-800 club score?


Hevj1119 wrote:

Hello all :smileyhappy:

 

I have 4 revolving tradelines on my credit report:  a BOA card, a GE Retail card, and two cards that I'm an AU on.

 

How many tradelines should I open before I head off to the garden and patiently watch my scores go up?  2?  3?


Hi hevj,

 

I I found this link to be extremely helpful when identifying the characteristic of FICO high achiever.

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Expanded-quot-FICO-High-Achievers-quot-sc...

CARDS.jpg

Valued Contributor
Posts: 1,954
Registered: ‎01-24-2012
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Re: How many tradelines for a 700-800 club score?

I has a Macys and Amazon Store card for eighteen and eleven months respectively when Discover sent me a TransUnion score of 776, so you have enough righ tnow.

Epic Contributor
Posts: 23,791
Registered: ‎10-23-2007
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Re: How many tradelines for a 700-800 club score?


Hevj1119 wrote:

Hello all :smileyhappy:

 

I have 4 revolving tradelines on my credit report:  a BOA card, a GE Retail card, and two cards that I'm an AU on.

 

How many tradelines should I open before I head off to the garden and patiently watch my scores go up?  2?  3?


3 of your own... just in case in the future AU are not counted.

Fico Scores: EQ- 662., TU 684 Barclay, EX 700 (3/21/15)

You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
72 Cards and Counting :smileytongue:
Regular Contributor
Posts: 185
Registered: ‎10-11-2012
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Re: How many tradelines for a 700-800 club score?


Creditaddict wrote:

Hevj1119 wrote:

Hello all :smileyhappy:

 

I have 4 revolving tradelines on my credit report:  a BOA card, a GE Retail card, and two cards that I'm an AU on.

 

How many tradelines should I open before I head off to the garden and patiently watch my scores go up?  2?  3?


3 of your own... just in case in the future AU are not counted.


Only 3 to get to 800? :smileysurprised:

Chase Sapphire Preferred / Chase United MileagePlus Explorer / Chase Freedom / AMEX PRG / AMEX SPG / AMEX BCE / Discover IT / Barclaycard Financing / BofA Cash Rewards for Students / CITI Classic
Established Contributor
Posts: 747
Registered: ‎10-15-2012
0

Re: How many tradelines for a 700-800 club score?

Keep in mind other accounts factor in too: auto loans, mortgages, student loans, personal loans, charge cards, etc.


Starting Score: 515
Current Score: EQ04 675 EX04 702 TU08 724
Goal Score: 700+

Amex BCP $12300 | PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | Citi DC $6100 | DCU $5000 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2400 | Cap 1 QS One $2000 | Cap 1 Platinum $1700 | Union Plus $1000 | Target $200
Frequent Contributor
Posts: 393
Registered: ‎04-03-2013
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Re: How many tradelines for a 700-800 club score?

i have 1 charge card .. 4 revolvers .. 9 years AAoA .. 2 preivous auto loans .. over 800 now:smileyhappy:

Established Contributor
Posts: 847
Registered: ‎03-04-2013
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Re: How many tradelines for a 700-800 club score?

When myFico started doing EX scores, one of the threads about it had a poster that hit the 850 score!  She didn't have that many tradelines, no huge abundance or anything crazy.  Just a few to give it a good mix is what I recall.  



FICO: EQ 722 | TU 710 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $25k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $9k.

My Credit Repair Journey
Contributor
Posts: 84
Registered: ‎03-08-2011
0

Re: How many tradelines for a 700-800 club score?

I hit 806 EQ (from myFICO) with only the following:

 

JCP ($124)

Emblem MasterCard ($999)

Costco AMEX ($9,000)

 

It doesn't take much (of course, I don't app much). :smileywink:

Costco TrueEarningsSallie Mae MasterCardDiscover itUS Bank Cash+
Valued Contributor
Posts: 1,630
Registered: ‎03-11-2009
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Re: How many tradelines for a 700-800 club score?


Hevj1119 wrote:

Hello all :smileyhappy:

 

I have 4 revolving tradelines on my credit report:  a BOA card, a GE Retail card, and two cards that I'm an AU on.

 

How many tradelines should I open before I head off to the garden and patiently watch my scores go up?  2?  3?


I only have a total of 8 accounts showing on my CR, 4 are open and 4 are closed.  Open accounts are, 1 mortgage, 1 LOC, and 1 CC all from US Bank.  My only other CC is from AMEX.  My oldest account, ( which is closed ), has an age of 21 years.  My aaoa is 7+ yrs.  I don't apply very often.  My last was 2 yrs ago when I got my AMEX. This got me to 842 on EX, which is a perfectly clean report.  My EQ and TU show 1 PR which will drop in 11 months. 

FICOS
TU 807 3/27/15
EX 806 3/5/15
EQ 831 3/27/15
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
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