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Would you take the new credit score hit at once?


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I have no revolving credit except for a charge off Providian from 2000.

I am planning on getting a

1) Secured Card from CU

2) Secured Card from Orchard

3) Secured 6 month loan from CU

(when I save the $ for them!)

Should I take the "hit" as early as possible or do it during the year? My score is below 600 now. I'm hoping from fraud tradelines come off soon and a few tradelines from the hosptial. Is it better to take the hit now when my score is really low vs later on?

Thank you:)

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