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Opening up a 3rd CC improve credit?
From December to March, I was able to bring my Score from a 580 to a 599. I had 2 accounts in collections (now paid in full), have 2 credit cards combined at 88% utilization. I know paying those off will raise it roughly another 30 points or so. If I open a 3rd secured card though my bank, use it, keep it low and pay on time, would that help my score overall? I have one card though Wells Fargo, one though USAA, should I open one through another bank? I'd really liked to get my score to a reasonable enough level so I can get a loan for a house/car without problems.

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