Optimizing Credit History

A thought experiment on min-maxing your credit scores for the long term

Photo by NeONBRAND on Unsplash

I’m personally applying these concepts, but some of this is pure theory-crafting. I’m also assuming we know how to use credit responsibly.

Previously, we discussed a straightforward way to improve your credit history was to simply have a primary cardholder add you as an authorized user, but there are a few more…