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My scores are in my siggy. My inquiries are TU 5, EX 3, EQ 4. One of the negatives for my scores is that I don't have enough cards. I have 4. All are in good standing at about 16% util. Should I go ahead and get a few more cards? I don't want to do myself harm.
@Anonymous wrote:My scores are in my siggy. My inquiries are TU 5, EX 3, EQ 4. One of the negatives for my scores is that I don't have enough cards. I have 4. All are in good standing at about 16% util. Should I go ahead and get a few more cards? I don't want to do myself harm.
You do have enough cards. 4 solid credit cards is good enough for FICO scoring purposes. Who is tell you it is a negative? If you don't have a need for any new cards then don't get any.
It all depends on you and how you feel about adding more credit. There's still many more to choose from. They make good buffers to keep UT low but you need to use them. I'm still testing a few out. Not sure if they will stay or go. And hoping Cap One will finally let us combine accounts. No sense in having 4 when 2 work. You're good with Cap One & NFCU. There's Barclay's, Chase, Citi, etc.
@Anonymous wrote:
When I pulled my credit report that's where I saw that it was a negative that I only have four. I'd like more to buffer utilization.
Where did you pull your credit that it told you that you had too few cards?
@Anonymous wrote:
When I pulled my credit report that's where I saw that it was a negative that I only have four. I'd like more to buffer utilization.
Just a quick suggestion, I think I have enough cards and still get that "recommendation" every time I pull a report and I take it with a pinch of salt. That being said, do you have any baddies on your report and what cards do you really want and feel will be beneficial to you based on your spending habits?
@Anonymous wrote:
Creditcaretotal.com
Check spelling? Not a website.
@Anonymous wrote:
Creditcaretotal.com
I googled and didn't get what you posted. But I got creditchecktotal.com. Is that where you got it from?