Star, I think you made a subtle, but important comment at the end of your last post.
That was in reference to building a sound relationship with your credit union.
I have been playing this credit game for more than 40 years, and I can unequivocally say that the best credtiors I have ever dealt with are CUs.
Both in terms of service, and rates.
Once you establish a good payment history with them, it may open your access to their offers of major bank cards that will get you their level of personal approval.
That is when real FICO jumps can be seen.
