Re: using my unsecured to increase score.....
10-10-2012 07:09 AM
Have you pulled your reports or just the scores? It seems there are derogatory accounts somewhere in your credit files because with on-time SL payments and even the secured card your scores should be somewhere in the 600's (at least mid 600's I would have to guess).
Pull your free yearly CR from one of the agencies (doesn't matter which one as they all seem to be in the same score range). Look through it. Until you find out what the derogatory is on your account, your unsecured card will not do much for your scores.
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.