Credit Card Center Advertiser Disclosure†
01-22-2013 05:33 PM
i have 2cc one secured for$400 and one unsecured for $300 and an auto loan that started may 2012 started the secured card in june 2011 and the unsecured in march of 2012 all of them have been on time with no late payments am i doing everything i can do to help my score? im at about 10% total on UTI
01-22-2013 07:44 PM
IMO, mix looks great. I bet you can hit upper 700s to 800 without adding any more credit. You might benefit from a 3rd though as a store card. But your credit is new. IMO, let what you have agre for a year or so and then add it.
01-22-2013 08:06 PM
If you could increase limits by either adding more money to the secured card or requesting to get it with a soft pull, you could try that. Either way, let the accounts age and you'll be in a great position next year.
01-23-2013 03:43 AM
01-26-2013 06:57 AM
I would apply for the walmart card so you can get free TU Fico score daily. Keep two cards at 0 balance and the other at 9%. It's a GE card so you can get CLI's easily and every four months.
01-26-2013 07:22 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.