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I think three cards is good. Everyone loves navy, go with them. Not a lot of complaints with citi, no personal experience.
The ssl will help if it's your only installment loan. Navy and penfed are the only choices for ssl. I did penfed, they'll go as long as 142 months.
Alright I will try to get the 3 cards. The penfed SSL does look appealing since the term is longer, even though it would build the internal score with NFCU. I would have to get into penfed for that though.






