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I am just curious if getting a credit card prior to applying for a Mortgage is a good idea or not? I would be getting the card to help build my credit up a little. 633 (Mid) and am looking to get it over 640 for the USDA Rural Dev loan.
Thanks
new account may hurt more than help.
Short term the cc is likely to hurt your score. I also thought USDA was typically 620, is that a new change or just specific to your lender?
Do you currently have any cc's you could pay down for a small score bump?