@CreditGuy03 wrote:Not for FHA any collections under $1000 wont have to be paid. Just do the secured card. Maybe a second one from Wells and pay on it leaving maybe a 1% util
WF secured card is trashy, get one from BOFA or even a more useful one vis a vis SDFCU or from Cap One even.
Helps to have a lender diversity anyway, and WF doesn't particularly care about their credit card division apparently: uncompetitive products. What's your rationale for pushing this one particular bank when there's better secured cards available?
