Secured Card or AMEX, Help Needed

[Anonymous]

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@Anonymous wrote:

AAoA is 8 years.

Oldest tradeline is 18 years (my mom added my onto her Nordstrom account so that helped me a lot!)

Income is $60,000/yr.

Clearly the 1 CO and 2 collections are killing me.

Should I not use the BoA card and apply for a Zync?  I have checked my credit history 2x in the last 3 weeks and I'm worried about having too many inquiries now too. 

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You should use the BofA.   You have enough CC now, with good limits, good AAoA.   There is nothing special about AMEX w.r.t. credit score and it would only hurt you now (inquiry and new account).  Keep yoiur history clean and watch your utilization when approaching mortgage application time.  You should not apply for any more credit until you have closed your mortgage, that is the most important. 

[bostonte]

So is the $1900 Nordstrom card yours, or are you an AU? While AU's help, they aren't the same as cards that are your responsibility. So if that's an AU account, that would mean you only have one account left. The secured BoA should definitely help. Just keep your reporting balances low and let all the accounts age.