Next Steps?

[Anonymous]

I'm recently discharged from BK13 (April 4, 2017) and am in the process of rebuilding credit. I've had an OpenSky Secured Card for about the last 10 months. Just this week I was approved for a Discover IT Secured and opened it with a $200 deposit. I was also just approved and am awaiting my new Capital One Unsecured QuickSilver One card with a $3k limit. Two weeks ago we received an auto loan from Huntington Bank for around $37k @ 5.5%.

Open Accounts:
OpenSky Secured $300
Discover IT Secured $200
Capital One QS1 Unsecured $3,000
Auto Loan (Huntington) $37,000

My FICO scores are as follows:

Experian 601
Transunion 568
Equifax 659

My question is, what are my next steps? Do I need to look into opening any more accounts or do I just sit back, keep my utilization low, make my payments and wait? If I should open other accounts, why type of accounts should I be looking at? If not, how long do I need to sit back and wait before trying for other cards?

This whole rebuilding thing is brand new to me so any input would be appreciated!!

[rmduhon]

I'd sit back for a bit and see what your scores are in about 6 months or so. You already have a 3 revolving accounts and an instalment loan for a good credit mix.

[Anonymous]

Thanks!  I'm definitely planning on building a good payment history over the next 6 months and more but wasn't sure if those couple of small secured cards were enough or if I need something with a higher limit to really make my history look good.