First, thanks to everyone on this help as because of your advice, I was able to get out of the hole I was.
So this is my current credit scores as of 02/01/2020
I got a nice Chase card with a whooping $11,500. CL about a month ago, I really don't need any more credit cards as the Chase has like 12 months of 0% APR (not that I'm planing to carry any balances) but recently I got another offer for Citi DP offering 21 months 0% APR on Balance transfers but I'm not sure I really need this card besides as a nice bump to my general credit limit.
There are a few cards that I really don't plan on using anymore such as "Macy's, Merrick, Wayfair" The Cap1 I like about them the no overseas fee as I travel twice a year and is nice to avoid these feeds.
If everything goes according to my plan I should have saved about $20,000 for a house down payment by the end of the 2020.
I want to have more credit, like very nice cards and such but do I really need them if I'm planing to buy a house by 2021?
Current list of credit lines
Should I hold on any more CC apps?
Should I place those card with low CL and no benefits on my drawer?
Now that my Credit is somewhat decent what's the next step to get into perfect score to get the most out of a mortgage loan?
Like always Thanks for the information and sorry if this is the wrong sub forum.
Congrats on the scores! It looks like you're all set. You have a decent set of cards, so unless you need a particular card for anything, I'd leave it as it is. SD the crap cards, and garden until the mortgage. As long as your balances / utilization remain the same, your scores will only go up. Do you know what your mortgage scores are?
This is what Experian says.
Im guessing is the fico 2
Yep! Fico 2 for Experian. Looks great!
DCU is totally worth it for the Savings rate and free EQ mortgage score.
You have nice Fico8 and mortgage scores!
You don't need to, but if you decide to go for the Citi DC, I would close the Macy's and the Cap1 #3
actually I would prob close both either way.
good work on your scores!
I guess Im just gonna ride it for this year unless a really tempting Offer comes in the mail.