When I began the process to rebuilding my credit, my bank suggested a package of three lines of credit that will maximize the benefits. A secured credit card, a secured loan and a secured line of credit. I added the first two immediately and my credit score went up. After I added the line of credit, my score went down 58 points. Is this normal? Will it rise and even back out once monthly payments are reported? I am regretting the third line now. Anyone know about this?