Hi, I had a short sale on a property back in 2012 and trying to rebuild my credit back up. I have zero loans or cards on my CR and have a score of about 622. I went to NFCU and opened up a new checking, Cash rewards visa with a $ 2,900 CL and also opened a CLOC for 15K. What would be the best way to use this to get my score up? I was thinking of just using both with about 10% utilization and paying the balance in full every month. When my score get’s to a more respectable rate, i will then apply for another card or maybe CLI at NFCU for my current card. Thanks in advance!