I’m planning to purchase a new car within the next year, most likely not before October or November. In the meantime I want to get my score up to get lowest APR possible. From what I read here, the optimal number of revolving accounts is three. I have a CC from my CU opened in january 14, and a Chase freedom card opened in january 2015. I’m thinking a Kohl’s charge card would be useful.
Will a retail card be as good as a CC from a national bank for scoring purposes? Also, is there a minimum time I should have wait after opening my last revolving credit before applying for a auto loan?
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So… 10=3? Not sure I should take advice from that kind of mathematical
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