What do I need (if anything)?

[Anonymous]

I have the following cards all with zero balances right now as I PIF each month:

JCP $700

Orchard Bank $300

Capital Bank (Open Sky) SECURED $700

Personal loan at credit union $400+ left on $1000 credit builder loan

Student loan payments ontime and pay more than due

Honda Finance pay ontime and more than due

I am about to apply for a mortage in a couple months and want to bring up my score even more. Should I add another secured card?  Should I just sit tight until after the processing?  I just want to bring up my score if I can. I have the minimum 640 (mid score) required for the FHA.  

What do you think?

[daybreakgonesXe]

3 cards should be good enough! instead of applying for a new secured card, I would add more money into your current one to show higher tradelines! it's better to remain as inquiry and new account free from this point on as possible before your mortgage best of luck!

[Anonymous]

Open an mortgage they don't want to see open any trade line in 6 months. Your credit score low because you have short credit history. Or maybe your credit card did not update informationt lately . You have to pull all 3 report let see if they reported right.

[creditnocash]

this post would be better suited for the mortgage loan section but anyways

is your current score current? 

aaoa? 

any baddies? 

your honda finance what is that? like the amount 

paying more sadly does not do much besides lowering util which counts less on an installment loan vs revolving. 

[Anonymous]

Look at that picture . I guess less than 1 year AAOA,Honda finance seem like couple months. With all that credit card . And credit score and he said PIF each month. Then AAOA less than 1 year