Hello everyone,
Well, had some derogatory things removed from my CR the last couple of weeks, and paid down utilizationto less than 30% on the one card I am an AU on. On SW, my score has jumped from 639 to 734! It also says the best thing I can do for my credit is to get my own cc. I am ready! I want one that also gives me free credit reports each month, and since we don't often shop at Wal-mart, I am thinking Barclays. I did the pre-approval link thingie, and got the "congratulations - you've been pre-selected" screen twice - once for the Barclay Rewards, and once for the Barclay Arrival (which also suggested the Barclay Rewards card underneath it). Thoughts? Do these cards have the same requirements (ie, score, etc)? Is one better than the other as far as rebuilding credit?
