Thanx fontanaman,
I am preapproved for the rewards card I want…but I agree, it’s way 2 early. Besides, I did apply for the horrible Credit One unsecured Visa card a week ago, and I was approved for that, so I will wait. I realize that was a bad decision. Anyway, I’m almost finished paying on my secured loan with my credit union, so I think I will see if I’m qualified for an unsecured loan to get my score up. Also,I do have a tax lien on my credit report for $100 that might be pulling down my score. I went to the NYSTax website to see if I can pay it off, and it’s no problem. But, will it really help my score if I pay it off? HMMMMM…