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Garden?

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starry1
Valued Contributor

Re: Garden?

I think that fingerhut will report first as an installment and then as a revolver, so that's two tls there. A second major bank card can't hurt though.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 21 of 27
cwwatts1202
Established Contributor

Re: Garden?

Yes it does report as installment at first
Message 22 of 27
LS2982
Mega Contributor

Re: Garden?

FH will report as a charge account (store card) not a revolver.



EQ FICO 548 3/3/16
Message 23 of 27
cwwatts1202
Established Contributor

Re: Garden?

Does that help scores the same as regular cards?
Message 24 of 27
LS2982
Mega Contributor

Re: Garden?

No because store cards are only good at that store thats why only 1 is recommended, its not even needed really you could have 3 bankcards and be just fine.



EQ FICO 548 3/3/16
Message 25 of 27
cwwatts1202
Established Contributor

Re: Garden?

Ugh, well that was a waste! So it's not going to help at all?!
Message 26 of 27
starry1
Valued Contributor

Re: Garden?

Actually since you started out with no credit at all, it will help a decent amount initially, but in the long run not so much.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 27 of 27
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