How many cards to rebuild?

[abundancejones]

I've been reading that three open revolving lines are optimal for a higher fico score. I'm wondering just how much of a difference in scoring there will be with 2 cards instead of three. I have a clean file and 5 old positive closed accounts. Just wondering if I can hit the 750s with two secured cards after six months instead of three. 

[randyrhodes]

People say three but I believe two is sufficient. Its possible but its really hard to tell how much your scores will gain or lose in any given length of time. Good luck and welcome to the forums.

[myjourney]

---

@abundancejones wrote:

I've been reading that three open revolving lines are optimal for a higher fico score. I'm wondering just how much of a difference in scoring there will be with 2 cards instead of three. I have a clean file and 5 old positive closed accounts. Just wondering if I can hit the 750s with two secured cards after six months instead of three. 

---

Welcome to the forum 

You can achieve mid 700 scores with 2 cards 

What's more important in achieving high scores with any profile is time ......= AAoA