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What I have:
WF Secured $500 (opened 2/10) (closed it 2 days ago)
Macy's (opened 10/10)
Conn's installment loan 1k (opened 10/10)
Cap1 Journey $500 (opened 2/11)
100% on time payments, never late. 40% util (all 40% was on WF)
nothing negative just have a thin file.
TU 655 / EXP 665 / EQ 651
should I stick it out a little longer or is there something I could apply for and possibly be approved?
Let's see, you have:
18 months history on WF secured (now closed - zero balance)
10 months history on Macy's (no CL reported - zero balance)
10 months history on Conns (zero balance)
6 months history on Cap One (zero balance)
It looks like your three open accounts are all less than a year old.
I would give it at least 2+ months before looking at apping - that way you'll have two open accounts over a year old, and one open (and your only bank cc) account that is 8 months old.
Do you have any other accounts at all on your CR?