- Centurion Member
- Posts: 4042
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Getting to an 800 will only happen as a lot of your bad marks fall off with time. It won't just happen after you make timely payments on a few unsecured cards for a year or two. When you get to the higher FICO scores necessary to get a good mortgage rate, bad history hurts you far more than good history helps you.
Bad marks other than a bankruptcy fall off after 7 years. A bankruptcy would fall off after 10 years. Buying a house may need to wait, unless you have an enormous income relative to the house's purchase price.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech