Posts: 12,952
Registered: ‎04-15-2011
Re: Question about Credit Cards

You need to add a revolving acct. to get the most of your scores.  Rule is don't app for new credit within 6 months of your mortgage so I would try now.

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!