How long for a new credit card to start reporting...best plan to get on MYFICO

[Anonymous]

Been working on Credit a few months have gotten a few baddies PFD. im in low 600s , got the opensky secured card last month will i see a jump in my score in first month? I have a mortgage currently and is reporting good(1 30 day late in Jan of 2014) so the things hurting my scores are no revolving credit open , just the one card from opensky and i have 3 medical collections totaling under $300 im trying to get a pfd on these I want to pull my scores once the opensky starts reporting what is the best MYFICO plan to use? id probably want to monitor for a few months (does this count as a hard pull?)

[dt3813]

I've been finding mine report once the first statement cuts......

[tufa4311]

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@Anonymous wrote:

I want to pull my scores once the opensky starts reporting what is the best MYFICO plan to use? id probably want to monitor for a few months (does this count as a hard pull?)

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You can pull your own scores as many times as you like, they are YOUR scores, this does not count as a hard pull.

[Anonymous]

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@Anonymous wrote:

Been working on Credit a few months have gotten a few baddies PFD. im in low 600s , got the opensky secured card last month will i see a jump in my score in first month? I have a mortgage currently and is reporting good(1 30 day late in Jan of 2014) so the things hurting my scores are no revolving credit open , just the one card from opensky and i have 3 medical collections totaling under $300 im trying to get a pfd on these I want to pull my scores once the opensky starts reporting what is the best MYFICO plan to use? id probably want to monitor for a few months (does this count as a hard pull?)

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When you pull your own reports through a third party like MyFico, its always a soft pull.

You should get a score boost when the opensky card reports. You can use a free site like Credit Karma to monitor your reports for when it shows up as a new account. Once its reporting, go to Capital One and apply for an unsecured QS1 card. Wait for that card to report,, then apply for a second Cap One card.

[Anonymous]

So 3 credit cards? I have my mortgage every month reporting and a personal loan that reports that was paid off with no baddies...I do want to get best score possible when i can but for now i have to gain about 30-40 pts to get approved for mortage as want to sell and move

[gdale6]

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@Anonymous wrote:

So 3 credit cards? I have my mortgage every month reporting and a personal loan that reports that was paid off with no baddies...I do want to get best score possible when i can but for now i have to gain about 30-40 pts to get approved for mortage as want to sell and move

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Yes if you want to build your Fico you have to do it with revolving credit that is where the bulk of score combined with payment history is. 30% is based on revolving util, 35% on payment history

[Anonymous]

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@Anonymous wrote:

So 3 credit cards? I have my mortgage every month reporting and a personal loan that reports that was paid off with no baddies...I do want to get best score possible when i can but for now i have to gain about 30-40 pts to get approved for mortage as want to sell and move

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Yup, 3 cards will give you the best score growth.