Well I was curious and here is what I found:
TransUnion 739
Equifax 734
Experian 719
I have 4 credit cards:
BOA Visa Student Platinum:
- Opened 03/2005
- 2500 CL
- Started at a 900 CL
Citi Bank Premier Pass
- Opened 03/2007
- 7500 CL
- Started at 2,500
BOA AMEX Rewards (2500CL)
- Opened 10/2007
- 2500 CL
- Started at 1,000
Best Buy Card
- Opened 12/2005
- 1,100 CL
- I haven't used this card for about 2 years.
I do understand I haven't had credit for that long, nothing I can do about that!
I generally balance the BOA cards with about ~200 and the Citi currently has 1,300 on it but I'll be paying it off soon. I apply for credit line increases on these cards every 6months and I've never been denied.
One of the negatives that has me worried are my student loans. The loans show up as seven different balances and I still have 3 semesters left until I graduate. Should I consolidate my loans senior year and begin paying so the balances are seen as one?
Should I also consider purchasing a CD or something small at Best Buy every month to keep that card active? Considering its been 2 years I wouldn't be surprised if it has been deactivated.
I had one inquiry in August 2007 from Citi when I asked for an 3,500 increase in credit.
Positive:
- No collections
- No missed payments
- Mix use of credit cards
- Limited use of available credit - 8%