should I get another credit card to help raise my score?
Quick question: before November, I did not have any open credit cards. I did get a secured credit card (limit of 0) and my credit score went up about 35 points and brought it to 639 range. Now, is it better to have one more card to help bring it up more (possibly an airline rewards card since I have recently started traveling more frequently) or to stay with the one card? I do have a lot of installment loans (10 from student loans that I might consolidate, if that’s wise) and one car payment that I’ve never missed a payment on.
Thanks for your help!
Quick note: I’m 25 and have had credit for awhile… my mom kind of really hurt my credit awhile back with credit cards and my first car (she neglected to tell me I still had payments left when I thought I was done paying it off and it was almost repossessed–luckily, I found out quickly and made that last payment before that happened.) So, I’m looking to re-establish my credit now… not really "start" it.