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Going back to the secured card option, think of this as building credit with a savings account, becuase that's exactly what you're doing: using a savings account as a security deposit to get a line of credit. Usually what you deposit, will determine your credit line. For example you deposit $300, then $300 should be your limit. Now how you can make this work to your advantage would either be by adding to the deposit frequently to increase the limit, or making a substantial deposit that would be close to the maximum allowed. The reason s would be done is to have a high limit report on her credit to help boost her utilization (debt to income ratio), it also makes it look more responsible with a higher limit. Now, keep in mind that the money that's in the deposit account is only going to be temporarily tied up. Usually after a year of keeping the balance manageable and paying considerably more than the minimum payment every month, the deposit is refunded and either the card converts to an unsecured card or you'll receive an offer for a better card. If you're able to get any of this to happen, she should very well have at least 3 credit cards reporting on her accounts with high limits possibly.
Another way to increase her score would be to get an installment account either by financing appliances, furniture. Something small. She already has a student loan that's helping, but It helps your score when you have a mixture of installment and revolving accounts to provide balance. For more information on this see Step 7 on the link I posted below.
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