I paid my old sprint account in collections and I just checked my credit report and it has been dropped!
Also, I just got a preapproval for Merrick bank “double your line” card which claims no fees, monthly/annual/setup. I have 9 inquireres on TU, but three of them are from a car loan I just got. Is that too much for them? should I forget this one? I only have two bank cards and one store card. The free TU score a month seems enough for me to be worth it. 651 score as of yesterday