Depending on the product those might not be FICO scores.. but FAKO scores.....
That said.. id entertain the discover... secured in a few months.... Id also get a monthly free FICO score from Discover while you wait....
Sign up for Discovers Creditscorecard ... Also might save you one HP on app... not guarenteed though....
Oh BTW Credit Karmas scores are Krap... Use CK for the reports but not for the scores....
-J
Update y’all!!!! Now $4,000 limit. Will make a new post 
Wow, everyone thought you were in the credit steps program, but this is another animal. Congrats, they will not give me an increase.
NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), US Bank Cash Plus($10,000), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), TD Cash ($8000), Bank of America. Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
you should pay your collections with cap1. If it happened in 2015, it will stay on your report until 2022, not 2019. Also, cap1 could sue you before the statute of limitations us up. They sued me.
