Believe it or not, initially, your score will decrease when you first get the small credit card -- secure or regular. I know. I tried it. It is a catch 22. Your score doesn't move because there is no activity. But, activity will first negatively impact your score. AND, if the credit card company doesn't report on a timely basis, your score still won't move. Write in and have all of the paid-off negative items deleted. That will improve the "credit picture". Have your down payment ready, a steady job history, and some money in savings. That will make you a good mortgage loan candidate. A clean credit record for a period of two years is better than one with fluctuating activity and credit inquires for lines of credit. Use a bank debit/check card with a bank of your choice if you are just making small purchases. Keep it balanced and no overdrafts. When ready, apply to your `home' bank for a mortgage. That way you already have a history of an account and a relationship with them.
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