Andrew Ginter & Cecilia Sherrard
RE/MAX NE Ohio
An account cannot give a GOOD report, if there is no balance. You want to have a small balance; less than 20% of the Limit, and when you use the car, pay that off that month. This creates a good report.
You may want to open a couple accounts, Sears, Lowes, whatever, and occassionaly use them.
640 is the minimum you want, so try for 650 or 660.
Good luck and may God bless