Posts: 14,062
Registered: ‎04-15-2011
Re: i am just starting to rebuild my credit need help with a few questions.

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations
What Steps do I take, DV, PFD or GW
Credit Scoring 101

Just read your first post, and rockstrscott's advice.  Looks like he gave you some great advice.  This thread is called Rebuilding Your Credit.  That means out with the bad, in with the good.   Nice work in getting the secured card, and no, it wouldn't hurt to get another.  Like scott said, you should send out a DV to find out exactly what the debt is for, and make sure it's not a duplicate.  Post on here and we will be glad to follow along and work with you.  Good Luck.



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!