time2fix

I'm an authorized user on 1 card and that card is the same card as my Wells Fargo Card. I only had 1 credit card prior to today. It's a Wells Fargo visa signature card. 5x points on gas, grocery, drugstore net purchases for 6 months, 1x points on virtually all other net purchases. The limit was at $7,500 but I called today and upped it to $15,000 without the need of pulling credit. I also got 2 other cards today. NFCU go rewards card $17,600 limit and and American Express Blue $12,500 limit.

Yes. Get cards that you want to use that fit your rewards strategy. If you want to maximize FICOs, just pay them to $0 before the statements cut. There are no cards with bonus categories that you could use? Not really. I'm a disabled homebound marine veteran that doesn't do anything.

Thankfully I have no need for credit cards at this moment other than to raise my score. Thanks a lot for all the help.

Let me make sure I understand. I get 2 more credit cards. I then remove myself as au on that 1 card I listed up top. I keep my first individual account holder cc at a $2 balance and the other 2 cards I will be getting at $0 balance. Do I have to ever use the other 2 cards? If I just need them to increase my available credit then I will just let them sit and never use them.

My only goal is to optimize my credit score mainly for a line of security for myself. Maybe in the near future I will purchase a house. So I guess cash back would work best. It doesn't really matter though. 1 particular credit card shouldn't raise my score any more than another card if they are used exactly the same correct? That's basically what I wanted to know. I normally do lots of research before asking questions and I'm sure I can find the answer to this next question but since I started this thread I will ask, what is the best utilization % for credit cards to optimize score? The card that I currently have is paid off in full every month. It has a $7500 credit limit and I use $250-$500 off every month but immediately after the balance hits the card, I make the online payment to pay it off which takes a couple days to process. Should I continue paying it off that fast? Maybe this thread will also save some1 else some time from searching.

Any suggestions for which other credit cards to get? I will apply immediately.

First I want to thank the members of this board especially who helped me several years ago. I started out with about a 540 credit score. I am now at a 795 Experian score. Im not sure of the other 2. While viewing my credit report I noticed that 1 of the accounts list me as an "authorized user" but not the account holder. I did not know they would report me for being an authorized user. All of my accounts are good including the 1 that I am an authorized user on but I was concerned about the debt to income ratio. Will it be a good idea to remove my name from that account. I've listed all of my accounts. I only have 2 opened accounts but adding the authorized user account makes it 3. Removing my name wont be an issue. I just would like to know if that would be a good move to improve or hopefully have my score remain about the same if I removed that I account I listed as number 1) 1) OPEN Credit Card Authorized User Account Status PAYS_AS_AGREED Available Credit $4,500.00 Reported Balance $1,373.00 Debt-to-Credit Ratio 31% Age of Account 3 Year(s), 1 Month(s) 2) Open Credit Card Account Status PAYS_AS_AGREED Available Credit $7,500.00 Reported Balance $0.00 Debt-to-Credit Ratio 0% Age of Account 5 Year(s), 10 Month(s) 3) Closed 9/2010 Credit Card Account Status PAYS_AS_AGREED. Paid and closed 9/2010 Available Credit $0.00 / HIGH CREDIT $75 Reported Balance $0.00 Debt-to-Credit Ratio N/A Age of Account 7 Year(s), 5 Month(s) 4) Closed 6/2011 Account Status PAYS_AS_AGREED. Paid and closed 6/2011 Available Credit $300.00 / High credit $206.00 Reported Balance $0.00 Debt-to-Credit Ratio 0% Age of Account 7 Year(s), 4 Month(s) 5) AUTO LOAN Opened Account Status PAYS_AS_AGREED $513.00/month Reported Balance $17,475.00 Debt-to-Credit Ratio 53% Age of Account 3 Year(s), 1 Month(s) 6) Auto Loan / Transferred 9/2014 Account Status PAYS_AS_AGREED/ Transferred 9/2014 Reported Balance $0.00 Debt-to-Credit Ratio 0% Age of Account 3 Year(s), 1 Month(s) 7) Auto Loan/ Closed 3/2012 Account Status PAYS_AS_AGREED/Paid and closed 3/2012 High Credit $3200.00 Payment $152/month Reported Balance $0.00 Debt-to-Credit Ratio 0% Age of Account 5 Year(s) 8) Unsecured loan/ Closed 9/2010 Account Status PAYS_AS_AGREED/ $135.00/month Paid and closed 9/2010 High credit $4000.00 Reported Balance $0.00 Debt-to-Credit Ratio 0% Age of Account 6 Year(s), 4 Month(s) 9) Unsecured loan / Closed 9/2010 Account Status PAYS_AS_AGREED $42/month Paid and close 9/2010 Reported Balance $0.00 Debt-to-Credit Ratio 0% Age of Account 7 Year(s), 5 Month(s)

I wasnt really concerned about the score so much and the person Im helping isnt. You make a good point and I was actually thinking on the same lines as you but some1 else told me about score decreasing and I should leave the accounts on. Thats why I asked if I should remove these even though if the score decreases.

Thanks for that info. So I guess I will try to get those 2 deleted unless others here suggest otherwise .. anymore input?

Not sure what type of score then. The score was through equifax.com

Yes thats FICO. Got it through equifax. The only open accounts is 2 mortgages of about 50k each. Sending them here would be like learning Chinese to them.

I'm helping some1 with there credit. They have about 20-25 good accounts. 1 collection and 2 negative accounts. Their score on that report (equifax) is 666. Some1 told me that if I remove the 2 negative car loan accounts, which are 5 years old each but they were closed about 2 years ago, that the score would decrease because those 2 negative accounts show as "current: pays as agreed". Both of those accounts are closed. 1 has "charge off" status for 1 month and the next 3 months after that charge off status ishowed pays as agreed and then the account was paid off so I'm assuming that's why the current status shows pays as agreed. There were about 10-15 late payments on that account. The other account has 80 percent of the payments as being late but the last few payments before being paid off shows as current. Should these 2 accounts be removed or remain on the report if the person is wanting to get another auto loan?

The fee the collection agency charged the creditor .. the doctor office is charging me that extra fee in addition to what I owe them. Should I pay that? This is not showing on my credit report yet.

Thanks

Im not sure I understand. If those 2 online disputes are deleted .. I wouldnt need to dispute them :/ What I meant though was if those 2 dispute online come back (say today) as verified, then I should wait the 60 days to dispute those items again and use the hipaa dispute? I guess thats what you meant. I sent the hipaa dispute for the other 5 collections to equifax. I wanted catch the PO open and didnt get clarification in time. Not sure if I should have done that.