I was approved for two loans; one is a unsecured loan in the amount of $395 and the other is secured for $300. Now, I have two items on my CR in the low $400's but I was thinking about getting a secured credit card first before I start any PFD.
What would you do?
I'd get the card because that can only help. PFD's are no guarantee.
I want to do whatever to make my creditworthiness climb so I can purchase a home in the next few years (2-3). And get approved for a car loan in 6-13 months.