Re: Advice for young person (re)buildi
05-06-2009 11:57 AM
If you know of someone (usually a family member) that will add you as an AU to their CC (this CC must have a longer history then 4 years and have no derogs) This will give you a longer history which will bring your scores up.
The longer the history the better BUT no lates or anything else. The CL doesn't matter but the UTIL should be under 9%. Their UTIL comes to you as well as history.
The baddie that you have now is helping your length of history. (date opened 2002). If you are an AU on a CC that was opened in 1995 then your LOH will be 14 years.
Age of accounts are very important.