For slightly complicated reasons, it would really good if I could take my FICO from ~725 to over 750 in the next 30 days. My only debt is students loans, and I can't do anything about that right now (still in grad. school). No negative or incorrect items show on my statements, and I have only one new account (a student loan) that is from 8 months ago. I have never had a credit card of any kind, and getting one seems like my best line of attack. Several days of research have me looking at the following two options:
1) Find a legitimate Secured Credit Card that really truly does not check my credit for approval. This costs me money in fees, but does not hit my score with a credit check (finding such a card has proven somewhat difficult).
2) I hear some people saying you can get a credit line from some retail stores that report to the bureaus, without a credit check. This costs me money to buy some of their useless stuff, but may have the same effect as #1.
Any and all advice would be helpful. Any good advice on the above ideas? Any other ideas you would suggest?