how many cards needed to raise score?

[c3troop]

My wife currently has a 700 credit score. She is an authorized on my amex with a back date of 6 years and has a freedom not quite a year old. No other credit cards and the only loan is our mortgage. What's the best way to bolster her score?

[Cdnewmanpac]

In the short term, a 3rd card will drop her score (both from Inq and lower AAoA), but these drops are fairly short lived. In the long run, most people get a bump from 3 vs 2 cards. The other thing would be to let a 5-9% balance post on her statement, then pif. Most people get a higher score posting a small balance on one card vs zero balance on all cards.

[Revelate]

Get her an Amex and some other card as well for longer term goodness.  Two Amex's even.

AU/AC's aren't counted the same way in all cases so it's better for her to have her own tradelines for everything beyond a simple FICO pull.

[c3troop]

Ok so even though she is an authorized on my account I should get her her own? I does not know that. What are some good cards for her with her score? She is an authorized on my bce and had a freedom

[Wolf3]

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@c3troop wrote:
Ok so even though she is an authorized on my account I should get her her own? I does not know that. What are some good cards for her with her score? She is an authorized on my bce and had a freedom

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 A 3rd card will help just a little, so I suggest she only get a CC that would be useful.    If she is regualr customer of a store that has a CC or cobranded CC (better yet) that would be a good choice since rewards and discounts are often generous.     Don't get a CC just to have one.