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@bsal wrote:Can one of you great experts give me some advice on what to do, my curret scoring since i last check 4/11 was tu= 563 eq=596 ex=606 I have a school loan that is in defult but i been in a loan rehab program and it going to come out of defult by july 1 08 i'm happy about that and i should recive a increase i was told once it comes out of defult, but here is the thing i want to boost my score up more should i start applying for a secured credit card now or wait for the loan to come out of defult before i start applying for credit? i dont have any credit card debt nore do i have a morgage or a car loan so i'm in bad shape. and what is the best secured credit card company to apply for that will increase my credit to an unsecured card the fastest? can somebody help me please thanks