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Regular Contributor
Posts: 196
Registered: ‎04-06-2013
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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?

Frequent Contributor
Posts: 408
Registered: ‎07-31-2010
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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

Valued Contributor
Posts: 2,039
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: 28,537
Registered: ‎10-23-2007
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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.

I may have left the garden 06/20/2016 Smiley Tongue
Partner Joined Garden 04/11/2016
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 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

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: 906
Registered: ‎10-15-2012
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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 $25000 | Discover IT $15250 | PSECU $10000 | Citi DC $7700 | Barclay Ring $6500 | Citi DP $5400 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays Aviator $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
New Visitor
Posts: 521
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 nowSmiley Happy

Member
Posts: 900
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 759 | TU 754 | EX 737
Amex BCE $25k, SFFCU Visa $15k + LOC $5k, USAA Amex $6k, USAA MC $7k, Cap1 $4.5k, Freedom $9.2k, Slate $500, Barclays SM $11.5k, USBank Cash+ $7.5k, Citi Diamond $6.5k, Citi Double Cash $2.2k, Care Credit $13.5k.

My Credit Repair Journey
Regular Contributor
Posts: 215
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). Smiley Wink

Costco TrueEarningsSallie Mae MasterCardDiscover itUS Bank Cash+Chase SlateBlue Cash EverydayFidelity VisaTU-803/EQ-808/EX-800
New Member
Posts: 1,826
Registered: ‎03-11-2009
0

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 840 7/7/16
EX 827 7/3/16
EQ 828 7/3/16
(NASA 30K) ( Amex 34.1k ) ( Venture 24K ) ( Freedom 10.6K ) ( SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps? ) Winners never quit, and quitters never win

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