Valued Member
Posts: 47
Registered: ‎01-11-2008

Secured Cards

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.

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