confused about tradelines and multiple accounts.......

[bk510]

hi all,

i'm a rebuilder post bk 6/12,

Little confused bout difference between lines and accounts, for example......

i have these....

cap1 secured

cap1 platinum

sony visa reward by cap1

target redca

So with these, do i have 4 tradelines reporting OR 2(cap1 and target)

If some1 can clear this for me, much appreciated, also if in fact its only count as 2 reporting, should i consider adding another tl to improve my credit or is this enough?

I have gotton these cards all in this year( i dono if this makes any difference)

thank u

[llecs]

Each are treated and scored separately. So if you have 4 TLs reporting, you have 4 TLs being scored and viewed by lenders. Doesn't matter who issues them.

I wouldn't add any new credit and let what you have age if a higher score is the goal.

[thom02099]

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@llecs wrote:

Each are treated and scored separately. So if you have 4 TLs reporting, you have 4 TLs being scored and viewed by lenders. Doesn't matter who issues them.

I wouldn't add any new credit and let what you have age if a higher score is the goal.

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+1 = very sound advice!