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Just wanted to add some good news. I have been trying to fix my credit / rebuild for a few months. 1 secured card with capital one and 1 account with Fingerhut. Not huge but better off than I was before. I was also able to get a newer car 2 months ago! I added myself to my husbands cap one credit card as an authorized user and I saw yesterday a 28 pt boost on TU 
Starting Score: CK 519 FICO 498
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 
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