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What Gmood1.
With a few revolving accounts you should improve your score. Word of caution that opening the accounts can push the score down temporarily.
It is going to take time to get the refinance IMO.
Thank you guys for your advice!
I was able to get a Secured card and a small CC. I'll update at the end of the yr and my plan is to have my score mid 600!
Carlos,
Just curious how your scores have responded?
Thanks!