[Christien]

Building credit is somewhat of a mystery. Everyone seems to do it a bit differently.

First, remember that lenders only report to the credit bureau once a month, so your weekly activity will go unnoticed. They'll take a snapshot of your account once a month and submit that. So one month you might by maxed, the other month 50%, the next 10%. So 2 CCs reporting will not be building much credit history. But, as Rick said, it takes time - lots of time.

A couple CCs are good, though you may consider raising the limits. A 3-6 year car loan will be excellent at building credit, assuming it's always in good standing and the balance is steadily declining. A mortgage should be good, but, at least here in Canada, many of them don't report to the credit bureaus, surprisingly enough. Cell phone companies report, so consider staying with one provider long-term, though again, minimal impact.

A large part of it is age, too. 10 years of history will be worth xx points, 20 years xx points more, etc.

Really, just ignore it and pay your bills on time, and you'll establish excellent credit by the time you really need it.