I am in the process of getting a mortgage soon and my FICO is terrible because of over the limit Providian cards. I am working on settling with them soon. My question is if I added some secured Visas with all balances open, would it help my FICO? thanks to anyone that does reply.....
If you are going to be trying to get a mortgage soon, I'd suggest not applying for anything for several months prior to applying. The additional inquiries as well as new accts could lower your score.