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How many tradelines for a 700-800 club score?

Regular Contributor

How many tradelines for a 700-800 club score?

Hello all Smiley Happy

 

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?

Message 1 of 13
12 REPLIES
Frequent Contributor

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


Hevj1119 wrote:

Hello all Smiley Happy

 

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

Message 2 of 13
Valued Contributor

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.

Message 3 of 13
Epic Contributor

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


Hevj1119 wrote:

Hello all Smiley Happy

 

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.

Message 4 of 13
Regular Contributor

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


Creditaddict wrote:

Hevj1119 wrote:

Hello all Smiley Happy

 

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? Smiley Surprised

Message 5 of 13
Established Contributor

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: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 6 of 13
Established Contributor

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 nowSmiley Happy

CSR | Ink Business Preferred | Amex Platinum | NFCU Cash Rewards
Message 7 of 13
Established Contributor

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 768 | TU 813 | EX 781

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $8000, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $7900, Citi Double Cash $3700, Care Credit $13500k.
My Credit Repair Journey
Message 8 of 13
Regular Contributor

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). Smiley Wink

Costco TrueEarningsSallie Mae MasterCardDiscover itUS Bank Cash+Chase SlateBlue Cash EverydayFidelity VisaTU-803/EQ-808/EX-800
Message 9 of 13
Valued Contributor

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


Hevj1119 wrote:

Hello all Smiley Happy

 

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. 

FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 42k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 10 of 13