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Optimal Number of Cards

Valued Member

Re: Optimal Number of Cards

I wonder what my chances are.

In the garden since 7/27/12 after getting two credit rebuilding cards.

Starting Score: 527
Current Score: TU-617 Equifax-606 Experian Plus 569
Goal Score: 650 by 1/1/13
Message 11 of 13
Regular Contributor

Re: Optimal Number of Cards

I just came out of bk 5 months ago so im in the same boat as you are.  i got a car loan right after my bk but everything else is hard.  so i decided to get a cc to better my credit.  the only thing negative is my student loans, which im paying to the bc.  ive got one secured Capital One card and got approved for a secured Continential Finance card through Discover but didnt take it.  im going to up my cl on my Capital One card.

01/10/09: - TransUnion: 500 / Equifax: 521, / Experian: 566
Filed BK 02/24/2012
06/06/2014: - Transunion:509 / Equifax:513 ,/ Experian: 551
07/28/2014: - Transunion:487 / Equifax:467 ,/ Experian: 574
08/04/2014: - Transunion:516 / Equifax:555 ,/ Experian: 584


07/25/2014: - Transunion:516 / Equifax:541 ,/ Experian: 574
Message 12 of 13
Valued Member

Re: Optimal Number of Cards

Yeah I turne down continental finance two.

In the garden since 7/27/12 after getting two credit rebuilding cards.

Starting Score: 527
Current Score: TU-617 Equifax-606 Experian Plus 569
Goal Score: 650 by 1/1/13
Message 13 of 13