So I think the concensus is to get a secured card to help my score go up. I do not have any revolving accounts so I need something current. My baddies are 3 collection accounts that I've been making payments on for a year through CCCS.
I only have student loans (current for 3 years) and a car loan (current for a year and a half). I want to raise my scores so that me and my wife can get a house in a year. I want to apply for a secured card through BofA or Wells but my fiance has BofA CCs. Can she add me to those accounts? What will this do for my/her score? How will this change her interest rate? He scores are in the high 600s so she has a prety good rate.
