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As part of my rebuilding process, I want to grow my reputation with different accounts.
I currently have a student loan that has never been late, so thats positive for an installment account.
I also have 2 cards with $300 limits.( First Premier Bank and the other is HSBC/Orchard Bank - now owned by Capital One.) I believe these would be considered revolving.
Should I open a secured credit card with a major credit card company or my credit union? I understand that having a higher amount of credit shows more responsibility than just dealing with $600 worth of credit. Ive already tried credit limit increases, and it's a no go for now.
(By the way, my current utilization is only about 2% with each card.)
Other than a mortgage, are there any other types of accounts that would help boost my score?
CUs are the way to go. Better rates, service and no games. I will never do business with a larger bank again