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Opening new credit

New Visitor

Opening new credit

I have a TU score of 623 and EQ of 564. I have 4 accounts in collections on each. I want to get a secured cc and also refi my auto loan. I was also considering opening a JCpenney card. Is this too much because I am trying to open two different types of credit lines? Will it look like desperation if I open all of them within 14 days?
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Valued Contributor

Re: Opening new credit

Have you considered cleaning up the derogatives on your credit reports before you app for more credit? You may have a better outcome.