Is that collection reporting as paid or showing a balance?  You need some sort of revolv to get some more positive TLs on your report.  Your file is too thin and any bad will drag it way down.  Have you looked at getting a secured card or two?

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Hi I have the one secured Visa with the $500 limit.

So am I better off paying this card off and keeping a low balance of $50. Or do this and get one mroe additional secured card with a $500 limit...? 

I would suggest getting another secured card.  You need to beef your CR up a little.  

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

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Shogun wrote:

I would suggest getting another secured card.  You need to beef your CR up a little.  

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+1... I would also try the Cap1 secured card....keep your balance way low and keep making on time payments and after 6 months of positive history you should see a nice jump....also try to PFD the COLL.