On this board, I've read more good comments than bad on the subject of Orchard Bank. I still have a question, though: will the addition of a positive tradeline far outweigh the fact that it's from a consumer finance company (Household Bank)? This sort of goes back to the post by Marie (http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=72593&highlight=<font%20color=) which posited that the presence of such accounts can actually be a detriment to your score. I was gonna apply, but am having second thoughts now. Any opinions, experiences, wild conjecture, etc. would be greatly appreciated wajaba
