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Wish to raise score -- Helpful to repeat Secured Loan? -- Other tweaks?
-Have 1 credit card. Always pay off. Limit to 10% or less utilization.
-No negative history
-100% on time
-Only 2 hard inquiries
-Have 9 accounts, 7 are student loans in $0 IBR status. Can't afford car/house so don't know what other accounts to open.
-In 2 months will finish paying $1000 secured loan took out with my bank.
-Can't seem to get much more movement. Raised CK(TransUnion) 654 to 709 and Vantage 623 to 756. Looking for more ways to tweak upwards.
-Would it help to repeat the same Secured Loan, thus keeping an account and continuing to show that positive payment history -- OR -- it won't give me any more benefit??
-What else works when score seems to be stuck in place? Thanks.

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