As a quick note, this thread is from 5 months ago and the OP has transitioned into a better credit profile (NFCU for starters).
CreditOne and FP do serve a purpose, for some they're almost mandatory but for others there may be better options. It all depends on one's individual credit and finances as to whether they're a good fit for any individual.
I'd agree with the sentiment that 1 card simply prolongs the process of rebuilding, and that 2 absolutely better 1, and 3 perhaps slightly better than that. That last part (two vs three cards) is hard to quantify though on paper for aggregate payment history and getting out of thin-file status, three cards is worthwhile especially if the rest of one's positive history is slim.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)
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