I'm new to this forum but have been reading posts for a while on here. Decided it was about time to sign up
I've become almost obsessed with building great credit after realizing just how much it can help you in life. So I have a couple of questions I'm hoping someone could help me out with. I'll keep this as concise and short as I can!
1. I've never sought out my FICO Score, I know it costs money to get it and I'm willing to pay but where is a reliable place to get it? I see sites all over and I get the feeling not all are reliable. Also, does getting a FICO Score hurt your Credit History?
2. I've read a lot on how people should have no more than TWO Credit Cards. Since reading that I've been hunting for the two most ideal credit cards. I've read it hurts your score to close a CC and even open a new one, so I'd prefer to keep that to a minimum. I rarely travel and don't spend big money often, let alone on my cards. Annual Fee or not, any recommendations on cards whether my score would be high enough or not? Gives me something to work towards at least. Goal is to have 2 great CC's that are both respected and reliable and will help me build great credit. I don't know what the future holds but I can tell you I most likely won't need a card of Gold or Platinum AMEX caliber.
Brief history on my credit:
-Secured Credit Card from Bank of America, 2 years in November with no late payments and staying mostly under 10% of max limit.
-The only strikes on my Credit History are from when my parents were struggling and asked to take a loan out in my name. They missed a few payments, that was 8 or 9 years ago when I was too young to care. Otherwise all bills were paid on time by me to this day.
-Haven't taken out a loan since.
-Working a seasonal job while searching for a full time regular job.
-4 Accounts open, 2 for over 12 years and other 2 for near 3 years.
Thank you for taking the time to read and respond to this, it's very much appreciated! Any tips for raising Credit History would be greatly appreciated as well, whether it's something I might know already or not. Thanks again!