In order to maximize your credit score increase, you will need at least three positive, active trade lines. These trade lines can be considered a current home, auto, student, or other type of loan that reports to all three credit bureaus. It can also be considered as revolving credit. We highly recommend that you maintain at least two major secure credit cards. Below are some of the cards we recommend, please view them and see which one fits your needs the best.
It is recommended you keep any balances on open revolving credit to between 10-30% to help increase your credit score. This is because the amounts owed makes up for 30% of your overall credit score. High credit usage damages credit score progress.
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