On the article I read, credit cards were lumped into revolving credit and this kind of debt was the best for raising a score… Installment debt of course is monitored on the report, such as student loans, but it doesn’t raise the score tremendously even if you are paying it off early. Something interesting I found though, on my credit report there’s a section for revolving credit, and then CREDIT card debt… There’s a definition on my report but they seem to be the same to me! Obviously, somehow there is a difference… Can someone clarify if there is ANY difference between REVOLVING debt and CREDIT CARD debt?? Also bonus question: I am thinking about getting a secured credit card because of bad credit and I want to build good credit.
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