I currently have 4 credit cards(3 open, 1 closed) all in good standing during my rebuilding, and I think I may need to get a store card to add to my portfolio?
I'm wondering if there are certain store cards that cater to the rebuilding sector, that I could get with a pull from either TU or Experian? One that will work with my credit profile that includes 3 public records and a couple(3-4) medical debts listed on either of these 2 bureaus? I have a thin file, my AAoA is like 1 year right now with my oldest CC at 2.5 years.
I got a Fingerhut magazine in the mail recently saying I'm pre-approved up to $400, but I'm not even sure if that qualifies as a store card & I have no idea which bureau they check?
I'm looking for one that will check preferably Experian, but possibly TU, and one I can get with my current credit report, scores & cards. Cards/score are in my signature.
I'm assuming since I don't have a store card, that getting 1 to go with my 4 current credit cards would help me out in rebuilding, right? I'm also hoping to get a car loan in the not-to-distant future(I'm working on trying to get my medical baddies removed, then I just have to wait on judgements to drop while my AAoA increases).
Store cards count as revolving and don't appear to be factored into mix of credit differently than the typical national bank cards.
Unless you shop there, don't bother as with 3 cards currently, there's no need from a FICO perspective to add a 4th card necessarily, and even if you do shop there, might be worthwhile waiting till after the car loan is sorted. If we're talking car loan and auto-enhanced, if you don't have an installment tradeline on your account, that's where I'd go looking personally for improving my credit report and corresponding score. If that's the case, I heartily recommend the minimum $500 secured installment loan from Alliant, truly hard to go wrong with that product.
Edit: in general for the "who pulls what" question, I suggest googling for "credit pulls database"
sweet, thanks!