Help get me to 700's

[Anonymous]

I have 2 auto loans one is 2 years old never late.. One is 5 months old never late. One Conns account $2536 start now owe $700 late once. Just got approved for Khols $300 and Capital One Secured (card on the way with $200 CL. I want to apply for another card but not sure where to start.
EQ 623
TU 633
No baddies

[Anonymous]

Welcome to the board.  Are your scores FICOs?  If they are not, what are your FICO scores?

[Anonymous]

Yes. I have a myfico monthly subscription

[stargazer25]

I would say go look at the rebuilding credit section. There might be better advice there.  

[Aduke1122]

Whats your EX score ?

[Anonymous]

599 . It's weird I only have one car loan being reported On that report and nothing else

[Anonymous]

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@Anonymous wrote:
I have 2 auto loans one is 2 years old never late.. One is 5 months old never late. One Conns account $2536 start now owe $700 late once. Just got approved for Khols $300 and Capital One Secured (card on the way with $200 CL. I want to apply for another card but not sure where to start.
EQ 623
TU 633
No baddies

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If you have had two years of credit history and your scores are EX 599 and the others above, something else is going on with your report.  I know you said no baddie but in your first post, you said you were late on time on a payment?  When was that late payment?

[Aduke1122]

Also I would be calling my lenders and ask them why they are not reporting your loans to all 3 bureaus .

[Anonymous]

I didn't know I could do that and my late payment was in February 2016.

[Anonymous]

They account that was reported late isn't even reporting on EX it's on TU. It gave me tips on what to work in and the biggest thing was length of credit history and no credit cards