I currently have a student loan reporting positive for 5 months and a secured capital one card reporting positive for 11 months 500 limit and under 40 balance. *Should I open another one? *my score is at 630 and looking to qualify for a FHA loan and get to 640. *Should I open another one? *Will my score do down initially? *
Two open total accounts thats all I have*
What are your thoughts?
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