Do not fear! My son did not have any credit cards, only two car loans, and no personal loans. At age 28 his TU, EQ, EX scores were all the same at 817, lender pulled. He found his scores out when getting pre approved for a home loan. Good luck. You probably will have no problems obtaining any Major Branded CC you want.
Starting scores 01/ 02/2012 EQ 707 TU 733 EXP 735 (FAKO)
Updated scores 05/01/2013 EQ 761 TU 780 EXP 788 (Exp. equivalency)
Remember the Three P's: Pay early in Full, Pay on Time, Patience
