ERASING LATES

even the smallest of accounts can benefit you as long as they report to your credit report. I started a fingerhut account just to get some positive reports on mine, I keep the balance low and keep the payments made monthly.

that is a longterm goal. You wont get a huge increase in score overnight. Also, I have had borrowers open Fingerhut accounts, but they were only reporting to Equifax. You will need a company that reports to all 3 bureaus

I know, but it is a start for now, do you have any other suggestions? Do you know what companies would report to all three?

Do you know which credit reporting that is pulled the most? I have often wondered this, do companies prefer one credit reporting agency over the others?

Any advice would be appreciated. :D

I would recommend to stay away from Premier.
BofA has a good secure credit card. I would also recommend store cards and gas cards.

There's no preference in any of the 3 bureaus

Thanks for the recommendations, I don't know that I would qualify for anything right now, I wish there was something besides fingerhut though, feel like I am just treading water when it comes to improving my score, I know it is a long process, but my god, it is rough.

Good advise about staying away from premiere. They are outrageous in interest and hard to deal with.