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Is this A good mix of Credit?

Regular Contributor

Is this A good mix of Credit?

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


Starting Score: 675EQ 698 TU
Current Score: 698TU 675EQ
Goal Score: 720+


Take the myFICO Fitness Challenge


EQ fico 675
Trans Fico 698
EX662
Message 1 of 6
5 REPLIES
Moderator Emeritus

Re: Is this A good mix of Credit?

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.

Message 2 of 6
Regular Contributor

Re: Is this A good mix of Credit?

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.

Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Message 3 of 6
Regular Contributor

Re: Is this A good mix of Credit?

Thanks for the replies much appreciated

Starting Score: 675EQ 698 TU
Current Score: 698TU 675EQ
Goal Score: 720+


Take the myFICO Fitness Challenge


EQ fico 675
Trans Fico 698
EX662
Message 4 of 6
New Contributor

Re: Is this A good mix of Credit?

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. 

 

 

Message 5 of 6
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Regular Contributor

Re: Is this A good mix of Credit?

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

Starting Score: 675EQ 698 TU
Current Score: 698TU 675EQ
Goal Score: 720+


Take the myFICO Fitness Challenge


EQ fico 675
Trans Fico 698
EX662
Message 6 of 6