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Types of credit to apply for ??


after7
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I need some new TL's to boost my scores currently I have cc's from Providian and Cap 1 reporting and soon I'll become an authorized user on 2 of my wifes credit cards Citi and Bank One all in good standing I also have a car loan in good standing. I'm wondering if I should try for a Department store card like Target or Sears or a gas card like BP it just seems like applying for more cc's might be too many.

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I think you should stop with the credit cards, you definitely have enough right now with 2 of your own & 2 authorized.

You should go to your local bank or credit union to open up an installment account, and least get 6 months worth of payment history added to your credit report. You can ask the loan officer there for ideas for building on credit and they can let you know what programs they offer will accomplish what you want concerning credit history established.

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