@Drsgwld wrote:
Very little. These two items were my ex husbands and I had to fight them. I have a secured credit card, student loan and that is about it.
Highly doubful you will get that kind of a point raise, you are light on credit items (thin file). Revolving cards are where the action is, you need to immediately add 2 more bankcards to your portfolio to help maximize your FICO and maybe throw in a store card that you will actually use as well. If those are minor lates 30/60 day in the last 2 yrs then you would see some of a score bump, you will get more for adding the 2nd and 3rd revolving bankcard. Keep you cards paid down as well you want only 1 card to report 1-9% of its individual CL to the CRAs each month and the rest of your revolvers reporting a 0 balance...
@Drsgwld wrote:
Should I open more secured credit cards?
As soon as the derogs drop hit up Capital One for their unsecured Quicksilver 1 card and I would also get in with a local CU, check and see if they offer secured CC, but try for unsecured first. On the national level State Dept FCU is a SP to join and if you deposit the funds into savings for the secured limit you want and then call them to open it also will be a SP... Garden these for at least 6 months and then go after better unsecureds based on your spending priorities.