Let me start by saying welcome to the forums!! You won't find a better source of information & real life advice anywhere. And we're FREE!
The first thing I want to ask is where you got your scores. The general public has not been able to purchase their own Experian FICO score for just over a year now, so I'm guessing you got those from a site where you pulled all 3.
The reports themselves are fine, but the scores are what we call FAKO's & mean absolutely nothing!
You can purchase your Equifax & Trans Union FICO's here on this site, but do a google search for "fico discount codes" to get some $$ off.
You can also get some great information in the upper section *stickied threads* of the credit cardarea & also in the rebuilding your credit section.
We're all here to help you get to your goals!
**Hauling is pretty "quick on the draw"!
It is definetly time to expand your credit.
Spend a little time thinking about who you want to do business with in the future. You might want to start with secured or starter card with them.
Who has your checking and savings? Who has current loans and past loans with good history. That may be a good place to start as well. You may want to open a checking and savings in a bank / cu that you want to get credit with.
Who have you burned? Not a good place to start.
What stores do you frequent. Another place to start.
Others may disagree, but I would not waste time with institutions that I don't want to keep doing business with.
I wracked my brain over the same problem. What I didn't want was a hard pull followed by a denial.
I began by looking at pre-approval offers. I found something on the HSBC site that looked promising. They let me pre-apply. The site even goes into a long explanation of how it works. I pulled the trigger on the pre-app, and the system told me I was pre-approved. I held my breath (I actually mean my nose) and hit the button.
Bingo, $2000, my first credit card in 7 years.
My scores are somewhat higher than yours, but you have some current activity, and I had none.
HSBC isn't the most-loved, but I'm happy to get it.
Here's the link http://www.hsbccreditcard.com/?refer=hsbcusa
Thank you, socalfiremedic, I got a card. A PLATINUM card.
If you get denied on the soft pull, maybe Orchard will give you an unsecured.
It's a real Mastercard, no annual fee. 0% for 6 months, and 1% cash back.
The rate is variable, but I didn't care. It's a credit building device for me, not a reason to go shoe shopping.
I heeded the good advice to not go to anyone that I burned.
Was it for an unsecured or secured card? The secured card fee is about $39
If you have some cash, you might consider a secured card with other major banks, US Bank, BofA, CIti, etc. There annual fees are less.