How is your score so low if you have no baddies or derogs? There is something you aren't telling us.
@Anonymous wrote:How is your score so low if you have no baddies or derogs? There is something you aren't telling us.
I agree with the above - your score should be higher based on what you've told us. Is your utilization extremely high?
I think your first step should be purchasing your reoprts and real FICO scores from here since the Credit Tracker score is a FAKO. Figure out what is keeping your score down and work on fixing that. Then, check Capital One and maybe Chase prequal sites since they are accurate. You should have no problem getting a Cap One QS and/or Venture if you get your score up a little. After you get a couple of unsecured bank cards, there's no reason to keep the Cap One secured card - it won't grow any more, and it won't graduate. I don't know if your PNC card will graduate to unsecured, but you should find out. They may require a HP to change it, so you'll want your score up a little bit first.
Sorry, I thought I mentioned my utilization.
I'm currently sitting at $1,741 out of an available credit of $4,650. Balances include 750/1000 on Ashley, 398/750 on Capital One, and 593/650 on Sears. My PNC and Target cards have zero balances on them, and were paid off in late March. Two large payments were just made on the Capital One card within the last 2 weeks. I am currently on track to have all remaining CC Debt paid off by the middle/end of June.
The only other thing I have flagging on the "FAKO" sites is the average credit history. Old account is 6 years, and is an active student loan account. Newest is the Ashley Card
I do plan on purchasing a FICO score once I've finished paying off the credit cards. Maybe I'm a little early in seeking advice, but I'm a planner and just wanted to see what options I have 
I'm excited about finally getting everything paid off. After I graduted last year, I found a job in another city and had to relocate quickly.... It was my first living on my own and needed to buy EVERYTHING.
@DannyC990 wrote:Sorry, I thought I mentioned my utilization.
I'm currently sitting at $1,741 out of an available credit of $4,650. Balances include 750/1000 on Ashley, 398/750 on Capital One, and 593/650 on Sears. My PNC and Target cards have zero balances on them, and were paid off in late March. Two large payments were just made on the Capital One card within the last 2 weeks. I am currently on track to have all remaining CC Debt paid off by the middle/end of June.
The only other thing I have flagging on the "FAKO" sites is the average credit history. Old account is 6 years, and is an active student loan account. Newest is the Ashley Card
I do plan on purchasing a FICO score once I've finished paying off the credit cards. Maybe I'm a little early in seeking advice, but I'm a planner and just wanted to see what options I have
Do your best to pay down the credit cards as quickly as possible. If your student loans are deferred, I would be spending that money on the credit cards rather than the student loans, as the CCs probably have much higher interest rates.
I would wait to close the two secured cards until after you get the new unsecured card. If the new card has a CL greater than $1000, I think I would close the secured cards. I was going to say $2k, but I don't know what will happen if you SD the secured cards and they get closed by the lenders. I think that if you get the chance to make a like for like switch, you should take it. If the CL is under $1000, cancel the $250 card, but leave the other one alone.