General Credit Topics

[montana586]

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

[llecs]

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.

[ceemee2203]

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.

[montana586]

Thanks for the replies much appreciated

[Robertwd82]

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. 

[montana586]

I have a couple medical collections that are old anybody have any idea how strict they are?