Working o credit score

[Anonymous]

I have been working over the past year to rebuild my credit started with a score of 472 one year ago, paid of defulted student loans and a few other items. Got a car loan through Chase after putting down about 1/3 on it and now my credit scores are equifax 660, experian 616 not sure about TU as I have not pulled this one. Was just wondering if there was anything else I should be doing to get them up higher as a mortgage is my main goal in the next year or so. Thanks!!

[somnipotent]

Add to your mix of credit.  A small store card (Walmart for the free TU08 score) or a secured credit card (BoA I've heard is good because they will eventually upgrade your secured card to an unsecured card) will be perfect.

[Shogun]

+1 you might want to consider some revolving now.  Time to build some new credit.

[Anonymous]

Best options at this point for me to add revolving credit? Not sure what to add or apply for at this point I don't want any inquiry dings to top it all off.

[Anonymous]

I have been looking into a secured card for sometime now. I just am afraid to get an inquiry ding on top of everything else. I am paralyzed with fear that anything I do will bring it back down now.

[Shogun]

Your scores won't go up if you don't build good credit.  Do you belong to a CU or use a local bank?  You could try for a secured card through them.  If not then maybe BOA or Cap1.