Hi everyone. I'm new to the forums, and although I've found them very helpful, I'm in need of some assistance.
1st - I want to pull up my credit so my husband and I can purchase a house. My present scores are 548 EXP, 606 EQ,623 TU. I'm thinking about opening a secured credit card in the hopes of pulling that up a few points. I'm a little confused - will they pull my credit for a secured card, even though I'm the one fronting the money? Would a secured card help enough, or do I need an unsecured one?
2nd - I've got some medical debts to take care of. One I'm sure is verified, so I'm going to try a PTD, but I noticed when I checked my credit report that I have a 4 other medical bills that went to collection. 3 I can afford to PIF, so I'd like to request a PTD, but 1 I can't pay in full all at once. They haven't sent me anything recently for any of these. The bills are marked that they went to collections nearly 3 years ago. My question there is, since they are all from one company, if I request a PTD for some, do you think they are going to come after me for the larger one? Should I risk it to get the ones I can pay for off my report?
