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@peaved_about_credit wrote:
Yes, gibeon, I am. I'm thinking the three point drop is due to a new account reporting. I'm just disappointed it's showing secured. That's all. I also have been reading that it won't affect my digital score, but still, my feelings are hurt..... Still very grateful they extended the opportunity.
I digress.
Secured vs. unsecured makes no difference; that was actually confirmed by FICO in an exchange over verbiage when they released their app.
secured to me is more or less a self imposed stigma. I have a secured discover card and could care less how it reports. I made mistakes in the past and that word secured pretty much represents that, but big deal, I learned and moved on, I am just happy to have the opportunity to establish a relationship and hopefully at twelve months that word secured is gone and I will feel foolish for thinking it was a big deal.