No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Just an FYI for whoever this might help...
Not sure what Quicken's actual score requirement is, a lot of lenders have been changing theirs lately (most have increased the minimum score, some have lowered it) but a 580 score is a pretty low minimum score requirement these days. Realize that the service you get is not because of the company the loan officer works for, it is the loan officer themselves. This is why personal loan officer recommendations are invaluable, since they have already exceeded the expectations of someone you trust, so they will likely do the same for you.
The TransUnion score you get from myFICO.com uses the Classic 98 scoring model, whereas mortgage companies use the Classic 04 scoring model. This is why your TU score here will likely not match the one that a mortgage lender pulls. The EFX score you get from here should be really close, if not identical, to the mortgage company's EFX score because the same scoring model is being used by both. You can use the myFICO.com scores as a gauge to determine when your actual scores will be at a qualifying level (most lenders need a 640 for FHA, several still go down to a 620 and even lower than that).
I'd continue to make sure you have on time payments reporting each month, but if there are collection accounts that are reporting fresh delinquencies each month, all of the good credit in the world would be hard to counter it. Your best bet may be able to PFD them, or file legal action against them to stop reporting new delinquencies after the last time the account was technically active.
Thanks Shane, please disregard the email.