I Know this has probably been asked many times, but with AU everyone’s situation is unique and different. I am wanting to be added as a AU to my mother’s account to boost my fico. We are in the mist of trying to decide which card as I do not have a mixed of cards in my credit report
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Card A: Has a 10,550 limit with a balance of 2,400 and is 15+years old
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Card B: Has 1,500 Limit has 0 Balance (we plan to purchase something for $20 on it) and it roughly 3-4 years old
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Card C: Has 1,000 limit, 0 balance (we plan to do a small purchase here also) and is roughly 3-4 years old also
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I have 4 neg tradelines that are slated to fall off next month and my oldest current account was opened in 1995 (AU).
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My Fico Credit scores are (Pulled by a lender)
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636Â EFX
567 TU (As you can see they do not like me:smileysad:)
601 XPN (FAKO score said it was 645)
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Good news is most of my Transunion and Experian things are falling off next month and I have done PFD with the the low balance neg items.
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Which card(s) would help me the most to get to 620 mid score.
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All of my own positive Revolving TL have no lates and UTI is below 10% (Just paid them down from 30% UTI.
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Any suggestion would be greatly appreciated.
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