No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
How often do you pull your scores? I'm thinking about doing it monthly for a while for me and DW. I have added two new accounts and sent out some GW's for DW. Will add her as a AU on a new revolving TL with substantial CL and that should help her score as well.
usually monthly. paying down debt so i'm trying to keep track of my progress. we want to buy a car before the end of the year.
About twice a year. And that's probably too often.
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work
If you develop an understanding of credit reporting, the need for monthly credit scores is just the cart dragged by the horse.
I get credit reports monthly, with no real concern for resulting monthly scores. I, too, only order scores every six months.
Both FICO scores for DW and myself 2-3x/mo. New CRs daily.