Will getting a 3rd card be the most expeditious route for me to break 800?

[Anonymous]

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@Anonymous wrote:

I was planning to wait until 12/2019 to buy a condo/townhouse/cottage, but I was informed yesterday that my rent is being increased yet again. That prompted me to post this topic. 

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I am guessing that this means that you hope to buy a house sooner rather than later.  Can you help us understand your timeline better?  Do you guess it will be in 6 weeks?  6 months?  Some other time? 

Because we've established that our OP has a specific goal in mind (buying a house) I think this all boils down to when he guesses he will do it and what his current mortgage scores are.  (FICO 8 is irrelevant.)

There is no question that the mortgage models like it when they see exactly one card reporting a small positive balance and multiple other cards reporting $0.  FICO 8 rewards you significantly less for that.

On the other hand, if his mortgage scores are strong now and he plans to buy 3-4 months from now, then it makes more sense to just leave his profile alone and allow more of his inquiries to fall off and for his accounts to age.

[Anonymous]

CGID, off topic here, but I'm guessing that while the mortgage models like AZEO more than FICO 8 does, it likes new accounts less than FICO 8?  I ask because my FICO 4 score is 33 points lower than my FICO 8 score on the same bureau and that's with AZEO in place.  The factors I get that are holding back my FICO 4 score is "time since most recent account opening is too short" and "length of time revolving accounts have been established."  Both of these factors are likely referencing the 3 revolvers that I opened ~9 months ago.  I'm wondering in 3 months when I hit 12 months on these accounts if my FICO 4 score will increase more than my FICO 8 score does?