what improvements can I expect from credit cards?Currently all 3 scores are between 690-699. Have 4 years of credit history 3 open accounts have always been on time but have never had a credit card before. I applied for capital one and discover last month and approved for both I plan to keep them both under 10% and pay in full every month. How long and how much improvement will I see in my fico score in 6 months or in 1 year estimate. Trying to get to a 740 for a mortgage.February 22 2014 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.