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  1. Will paying off and closing the First Premier and Credit One with their high fees and opening a higher limit secure card like $1,000 hurt my score? I don't mind it going down for a month or two if it will jump back higher after a few months. Or would closing the card and adding an account like SelfLender do better for me?
  2. It’s a long post but, where do I go from here? I am not sure what to do next. Do I just pay everything off and only charge a small account to one or two cards and pay them off every month or is there more to it? My goal is to buy a house. Hopefully by next summer. I, unfortunately, listened to Credit Karma before I did more research and opened more cards than I probably should have and charged a bunch but, I will have all the balances back at zero in 2-3 months at most. Here is what I am doing: paying all current credit balances to zero with no more ch
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