For those of you who are not award of this company and looking for some revolving credit to help utilization, there is crown jewelers. No credit pulls. Everyone gets a $1500 credit line. Simple application. You to put a down payment on purchases - roughly 30-40%. Minimun payment of $25 a month. I signed up in august. Made a cheap purchase 0f $70 - mini diamonds earring for my 13 year old. I paid thru paypal. They are now reporting on Experian - today 09/03. You must make a purchase for them to start reporting. Read others posts on various boards and yes they report to all 3 CRAs. I only had 2 other TL and this is my 3rd and it helps. My spouse has one also. She really needs the utilization cushion. Can't speak to the impact to score yet because I haven't checked. Waiting on my response from orchard. Sent my $19. Will sockdraw these cards and let them age gracefully.
