Do I have enough?

[razorback82]

Hello Everyone

I'm looking to maximize my score potential. My question is do I have enough for the best mixture ect ect.

My fico score is finally in the 600's (625) and I want make the best decisions possible.

Met Bank $1,000 - Only card actively used for no more that gas and a night out each month. Max $300 , and I keep it at about 15% UTL then PIF

Victoria Secret $250 - Sock drawer opened Jan 2014

Fingerhut $300 -Sock drawer Dec 2013

BOA Installment  secured $1000 - Drafted from a savings account every month

Open Sky Secured $250 -Sock drawer Jan 2014

Capitol One Secured $300 -Sock drawer Jan 2014

US BANK $300 -Sock drawer Jan 2014

Also on my report

I have had 6 HP's in the last 12 months.

All cards have a $0 balance except my Met Bank card.

4 Baddies that I'm working on

I know my best ally is time,  but I also wanted to make sure I set things up correctly.

Thanks for any input

[Whitneyy]

Hello!

I'm not sure about sock drawing the fingerhut account because I've read here that it doesn't report until after your first payment. I have already brought something and nothing has reported because no billing date has came. I read here to pay two payments and then pay it off to get an increase. (Which I'm going to do!) Apparently you have to use it to keep it open or to keep them reporting.

Good luck!

[razorback82]

WOW!!! I had no clue...

I will call them on this. I just need it to report  and possibly a CLI later.

Thanks for this information!

[gdale6]

This looks fine to me for the moment, just sit back, keep working on the negatives on your report and garden these accounts, IMO there is no need to add anything for at least 6 months to 1 yr. Good luck on getting the negs taken care of

[razorback82]

gdale6-  Those were my thoughts, I just needed you experts to validate it

Thanks

[Shogun]

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@gdale6 wrote:

This looks fine to me for the moment, just sit back, keep working on the negatives on your report and garden these accounts, IMO there is no need to add anything for at least 6 months to 1 yr. Good luck on getting the negs taken care of

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+1

Just garden and work on those baddies.  

[Whitneyy]

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@razorback82 wrote:

WOW!!! I had no clue...

I will call them on this. I just need it to report  and possibly a CLI later.

Thanks for this information!

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Yes! Mine hasn't even reported yet and I brought something in January, but I guess because no bill is due until March.