Yes some will and some don't care if you use 5 bucks or not LOLOLOL but if you want to see big CLI I would highly recommend USING the amount given just remember to constantly check on it at first make sure you do NOT miss a payment and bring it down to 0 then like I said after the payment day passes put a few dollars or as little as 5 dollars to reflect on your statement and then once your statement posts feel free to use up to the 200 again as long as you pay it back down to 0 I know I may be repeating myself but I just wish someone would have done this with me it would have saved me a LONG time of trying to raise points when I started doing it this way my points shot up!! Haha so hopefully this helps you too!
Trust me that's the best way to start! Then when you are ready to go apply for a Car or Home etc come back and ask us for advice and best way to approach we will help at that time but you definitely want to get a good solid year or two of on time (hopefully never missed payments under your belt) to get you a good foundation!
Keep up with your score here too it's always fun to watch it climb and see what is affecting it keep in mind also that cards usually report a month after for the month before so sometimes especially whenever you do get a new card or information etc it can take up to 3 months to start finally showing and reporting/helping but it can hurt as early as a month after you got it. So don't let the first dip get you down!
It may be pricey but it is way worth it the scores are more accurate than CK, CS WalletHub etc and it also gives you scores that are looked at by Mortgage companies as well as Auto and Banks. You can use the CK and CS and ones like that for now but once you are closer to opening loans and applying for more credit etc I would definitely open an account to MyFICO to get more accurate ratings and help. 
I have CK, CS, Experian and I just recently stopped my Equifax reports when I opened my MyFICO one and I wished I would have just done and stuck with that one from the beginning lol.
@Anonymous wrote:
I currently don’t have FICO score at all I have never had any credit cards or loans. I am currently 35 years old and just really got into trying to build credit. At around 19 years old I had 1 car loan that got repo and that’s it.
So far I have opened discover it sercured card in February of this year it already is showing on my credit reports as 1 on time payment of 13$
I also opened a self lender account last week for the 25$ a month plan to rebuild credit. Nothing has shown up on any credit agencies.
Currently on my Experian report I have 1 collections account from IC Systems (T-Mobile) for 3***$+ On my Experian report it shows at closed. I am trying to dispute this and get it removed.
It shows I have 5 inquiries on my Experian report.
On my Equifax report it shows only 1 account for 13$ which is the discover card.
No negative reports on this side.
On my TransUnion report it also shows my discover card as paid 13$.
It also shows the negative mark from t-mobile for 3****$ I am also disputing this.
Now I do have a VantageScore on all 3. My score is 657
Hope that gives enough info to explain my situation.
Should I pay off the collections account or just leave it alone? It was an account that’s I helped someone else get a former friend and I clearly got screwed.
How is my credit compared to others in this forum? Where other people in a lot worse situation then me and have improved there scores a lot?
So now I ask what else can I do to first of all get a FICO score? and improve it more?
Should I open another secured credit card to have more cards showing monthly payments? Or would 1 card be enough for now. I could open another 1 but another 200$ deposit would really suck.
Thanks all looking forward to learning how to fix my credit and sorry for many questions.
Yes you should pay off the collection. Put it behind you. Sometimes you can even negotiate a pay-for-delete, where they agree to remove it when you pay. But even if you can't get that, you should get rid of it.
Yes you should add another secured card.
@Anonymous wrote:
I did sign up for Experian monitoring service 19.99$ I’ll try it this month I do check it everyday alongside creditkarma and WalletHub.
I was considering the my FICO plan but at 30$ a month it’s a little to much for me.
Credit Karma and Wallet Hub are no good for credit scores, because they're using Vantage 3.0, not FICO. Totally meaningless.
The Experian service is great. Gives you real time data, and gives you about 8 FICO scores.