newborn559 wrote:Also.is it better for me to have one secured credit card for $2000 that I use up and pay off the whole balance monthly or have two $1000 secured credit card that I use and pay off the entire balance monthly?
Generally speaking lower utilization and fewer reported balances are better. You can't take advantage of the "allow only one balance to report" advice if you only have one card.
newborn559 wrote:another question is if i where to get a $2000 secured credit card with wells fargo or with anyone for that matter is it good or bad to use the entire amount monthly while paying off the full balance monthly?
Neither. All that matters is the reported balance. You can charge all you want as long as you're adjusting the balance prior to report date -- just pay the remaining statement balance by the due date to avoid interest. If you're paying in full after it reports then you'll end with high utilization reporting.