I'm recently discharged from BK13 (April 4, 2017) and am in the process of rebuilding credit. I've had an OpenSky Secured Card for about the last 10 months. Just this week I was approved for a Discover IT Secured and opened it with a $200 deposit. I was also just approved and am awaiting my new Capital One Unsecured QuickSilver One card with a $3k limit. Two weeks ago we received an auto loan from Huntington Bank for around $37k @ 5.5%.
Open Accounts:
OpenSky Secured $300
Discover IT Secured $200
Capital One QS1 Unsecured $3,000
Auto Loan (Huntington) $37,000
My FICO scores are as follows:
Experian 601
Transunion 568
Equifax 659
My question is, what are my next steps? Do I need to look into opening any more accounts or do I just sit back, keep my utilization low, make my payments and wait? If I should open other accounts, why type of accounts should I be looking at? If not, how long do I need to sit back and wait before trying for other cards?
This whole rebuilding thing is brand new to me so any input would be appreciated!!
