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Does this count as the three trade lines I meet for rebuilding?

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J91605
Frequent Contributor

Does this count as the three trade lines I meet for rebuilding?

Everyone seems to agree that 3 cards are optimal for rebuilding credit.

 I now have a credit card from my credit union, a capital one secured, and my credit union is giving me a personal line of credit they say with report as revolving.

Will these meet the criteria or do I need another secured card?

Starting Score: 6/30/15 EQ 554 TU 534 EX 608
Current Score: EQ 630 TU 635 EX 653
Goal Score: 680 across the board

Take the myFICO Fitness Challenge!
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Anonymous
Not applicable

Re: Does this count as the three trade lines I meet for rebuilding?

You should be good. I would not get another secure card. Keep working on eliminating any bad entires (if you have any) and on treating your new tradelines perfectly (never carry a balance, always pay on time). Then you can qualify for an unsecured card next. Keep checking the Capital One pre-qual site to see when you may be eligible for there -- if you treat your secured card well, they'll offer better cards with higher CLs.

Message 2 of 3
J91605
Frequent Contributor

Re: Does this count as the three trade lines I meet for rebuilding?

I hoped that might be the case. I don't want to sink anymore money into secured cards.

Starting Score: 6/30/15 EQ 554 TU 534 EX 608
Current Score: EQ 630 TU 635 EX 653
Goal Score: 680 across the board

Take the myFICO Fitness Challenge!
Message 3 of 3
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