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Sylviatob wrote:Hi Chris, welcome to the forum. Here you will find a wealth of information to help you regenerate your credit health.I think it's an EXCELLENT idea to join your company's credit union, and take out that loan. Pay religiously on it, on time every time. Then apply for a credit card. Yes 10% of your FICO scores are based on your various credit instruments(cc's, loans, mortgages, car loans, etc). And a CU is a great place to get one. They are usually more lenient in granting CL's.If you don't mind sharing, what are your FICO scores, and the date? if we new that, we could suggest various avenues open to you.Finally come here, come here often, and read, read, read. Start with reading all items on the menu bar, starting with "Credit Education". Sooooooo much can be answered just by reading them. It is often overlooked.Ask questions. That's the way we learn. Many knowledgable people here, and we're a friendly bunch(albeit somewhat strange! LOL)