What is the best tradeline to have on my credit? Mortgage or Credit cards?
I want to know if open trade lines looks good on my credit? Also if so which ones are the best? Mortgage, auto, credit cards, etc
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The length of time, payment history and debt-to-limit ratio are the most important factors. In other words, how you’ve handled the credit is more important than who the creditor is.
type of credit has no bearing — how you take care of this credit is the important thing!!
One installment, two revolving (credit cards, etc). You can’t get a mortgage without existing credit. Do not charge more than 50% of the limit on the credit cards and do not pay them off monthly. I know that is more costly than paying monthly but it’s the credit game. just charge $100 bucks and pay $20 per month.