I have a 660 credit score, what should I do next?

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blurbz
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I have a 660 credit score, what should I do next?

Postby blurbz » Fri Mar 15, 2013 3:52 pm

I'm posting this to see if there is agreement about what my next steps should be.

Here is what I've got:

Credit score of 660ish

Authorized User on Dad's Chase Freedom. 6 years old.
Local Credit Union Visa: $2,500 limit. 1.5 years old
Nordstrom Store Credit Card: $6,000 limit. 6 months old (Got limit increase today)
Amex Gold Premier Rewards: NPSL. 2 DAYS old.

I obviously just applied for and got the Amex. I'm hoping it was the right decision! Was it?

Baddies:
1 charge off on a chase student credit card in 2008.

Goals:

I'm graduating from graduate school this year and starting a new job with a good salary this fall. I'm getting married this summer and we'll want to buy a house in a few years. I'm looking for the highest credit score I can get to facilitate that. I'd also like to pay off my student loans as quickly as possible (I'll have roughly 70k there when I graduate).

So....what should I do? A few people have suggested that I apply for a few additional cards immediately. If you agree, which cards do you suggest? Why?

If you think I should wait, how long should I wait? Why?

Any thoughts are appreciated!


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