Unfortunately, when your scores are sub 600, your approval chances on any of your reports are pretty slim. I would recommend holding off on apps and working on rebuilding your score first. A secured card would also be appropriate for your situation.
LO? Are you applying for a mtg soon?
Well, I'm not sure what the best plan of action is either, but from reading a few of your past threads it sounds like you are working on your baddies, which is great.
Your second step is to get a few positive tradelines, which appears to be what you are working on now. The problem is, that won't happen overnight. And you will only hurt yourself more if you try to rush it. A new card probably needs 4-6 months reporting before it will really help you in approvals for unsecured credit.
I would suggest waiting a little longer before applying for anything since denials will only add INQs and lower your score. If you really feel it is necessary, you could get a second secured card to make sure that you have 2 new positive tradelines reporting, but either way you will likely need to wait until the card you have now ages to 6 months before you have a shot at unsecured credit.
Then again, there are always the bloodsucker subprime lenders out there, but I'm not an expert in that category and would have to defer any advice for them.
In all reality, you are probably close to a year or longer away from qualifying for a mortgage with your current scores unless something out of the ordinary occurs.
Your second step is to get a few positive tradelines, which appears to be what you are working on now. The problem is, that won't happen overnight. And you will only hurt yourself more if you try to rush it. A new card probably needs 4-6 months reporting before it will really help you in approvals for unsecured credit.
I would suggest waiting a little longer before applying for anything since denials will only add INQs and lower your score. If you really feel it is necessary, you could get a second secured card to make sure that you have 2 new positive tradelines reporting, but either way you will likely need to wait until the card you have now ages to 6 months before you have a shot at unsecured credit.
Then again, there are always the bloodsucker subprime lenders out there, but I'm not an expert in that category and would have to defer any advice for them.
In all reality, you are probably close to a year or longer away from qualifying for a mortgage with your current scores unless something out of the ordinary occurs.