@Anonymous wrote:@Revelate Aha, that makes sense. I was wondering why it was so expensive to get the scores! Hm, so maybe that would swing me back to wanting the Discover It card in a few months. I think it would be a while before I would hit any rewards cap (looks like Quicksilver does not have one?) but with 3 cards (oldest unwanted card, Quicksilver, and Discover It) I think I could call it quits for cards and get my free FICO scores to boot. Does the free FICO provided with Discover It reflect what most lenders would be looking at?
Quicksilver is a default spender, Discover IT is a good card and it's fine to use the Transunion FICO 8 there for a benchmark score. It's not a very relevant score for me as I have very few lenders that want to see my Transunion report (I have to go out of my way to get a lender not to pull EX in my case, which is OK because it's my best bureau typically) and I'm something of an extreme case having lived in Cali for more than the last decade. For most people Transunion is more relevant.
3 cards is fine, though I think most people get to roughly rewards complete with call it 5 cards and eventually you might want a slightly thicker file than 3+1 installment but that's enough for baseline FICO optimization so you'll be fine. 2 cards is too few.
@Kevin86475391 Thank you! Trying my best, but it is hard on my salary given the high cost of living in Boston. I should come close this year 