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The only other thing I would suggest is a secured loan with a 12 or 18 month repayment term. Its a great way to prepare yourself for a mortgage and you do build an asset and a tradeline relatively cheaply. My chase banker told me about this in 2007; by 2008 I was approved for Fha (my situation was way worse as it was a rebuild instead of a build) Otherwise you are on the right track!
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
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Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
US Bank can split your limit to another account as long as you maintain the required limits for the products you are seeking.
Although, I would just recommend you don't do anything for now and just Garden. Use the US Bank card and PIF each month. In 6 months they will likely be able to give you a CLI or approve you for another account.
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