Question about new credit.

[rodeogal]

Ok...I signed up for TruCredit. It gave me some advice as to how increase my scores:

1) Not enough revolving credit

2) Too many inquires

Now, I do have several inquires because we bought a new vehicle last year and the dealership was trying to get us financed. I presume these will stay on for 2 years. However, one year is down already.

Now for the new credit...I see many of you have Crown Jewelers and have suggested them to others. You also have many new smaller cards listed. If I get a couple more credit cards and pay the balance every month then get my current cards below 35% of credit limit will this help my scores?

[lovebug5]

If your current CC's are over 35% utilization, you might want to consider paying those down before you take on any new cards.

CJ is a great option, although their product is sh!tty IMO. You get a $1,500 TL reported and you can buy the cheapest, smallest thing on their website and immediately throw it out. It helped me tremendously to have that TL...