Utilization and Credit Limit Increase

[RockyJones]

Ah, but who said they're reporting the CL as secured? I've been under the impression that the Capital One and Orchard secured cards appear on you CR the same way as unsecured CC's. Am I misinformed?

[Crashem]

I can confirm orchard does not report as secured. Not sure about cap one. Rocky, are you building credit or rebuilding (derogatories on credit report). Also how many cards do you have? Reporting as secured or unsecured does not matter when it comes to fico scoring.

[Duncanrr]

Cap1 doesn't from what I've read. My card will report this week and I'll know for sure. I can confirm WF reports as secure.