Posts: 13,897
Registered: ‎04-15-2011
Re: Newbie here...Needing a great deal of help

Absolutely get that card.  Revolving TLs account for up to 35% of your CR score.  What I recommend is when you get the secured card, treat it like a bill.  Put $25 or $50 into it every payday.  It is like a savings account and adds to your CL.  This will help you get a better unsecured card when the time comes.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!