You have quite a few cards. I would suspect your score to rise nicely over the next 4-6 months with those cards and the installment loan - considering all accounts are paid on time and utilization is low. I saw a documentary on credit a long time ago and I recall something to the fact that you get max amount of points with major bank credit cards. I see you have a cap1, but, in a few months you might want to try the pre-qualification for a starter AMEX card, BOA card, Chase card, Discover, etc. Also, if you don't know what your FICO score is, try the $1 Credit Check Total offer. Seeing your score will help you judge how close you are to applying for one of those cards. Also, if you still have negatives, work on getting those removed. You seem to be doing pretty good. Keep up the good work rebuilding.