i was going ti put at least $500 on a card this month, but i was wondering if it would be better if i went to a CU and opened a savings account and then took out a secured loan for $500 on the savings account. then use that $500 to put on the card and pay the loan back througout the year. is this wise or just foolish? i was thinking about doing it in an effort to establish a good track record in paying loans back. also if i do this, would it make more sense to spend a few months paying back loan or would it be better for my scores to pay it back in 2 months? i want to get a car loan soon and am looking for the best way to boost my scores .... i am at 650 now.. thanks!