Need recommendations where to apply with a 802 Equifax score but lack of history

[SuperbCredit]

Equifax score is 741 and FICO 8 is 803
I'm wondering where should I start with my lack of credit history but a very good score  of 802 FICO 9

i cleaned up my equifax but now the only history I have on there is just a year or so of my debt card credit builder  reports to Equifax  from Chime and Varo.

Im looking to building up my credit history. I don't care about approval amounts  I would like to get approved somewhere that's fairly easy and quick 

Thanks!

Equifax score is 741 and FICO 8 is 803

This is what's on my Equifax 

1.

EXTO INC

xxxxxxxxxxxxxxxx

Reported Balance
$20
Credit Utilization
2%
Late Payments
0
Age of Account
9mos

View details

2.

CHIMEFIN/STRIDE BANK

xxxxxxxx

Reported Balance
$0
Credit Utilization
0%
Late Payments
0
Age of Account
3yrs 5mos

View details

3.

VARO BANK, N.A.

xxxxxx

Reported Balance
$0
Credit Utilization
0%
Late Payments
0
Age of Account
2yrs 2mos

View details

Closed:

FIRST PREMIER

xxxxxxxxxxxx

• Account Status
  CLOSED Charge Off
• Balance $532
  Credit Utilization
  N/A
  Late Payments
  0
  Age of Account
  6yrs 8mos

[Saleen099]

Need more  information on what the rest of your credit report looks like?

[unsungivy]

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@SuperbCredit wrote:

I'm wondering where should I start with my lack of credit history but a very good score  of 802 FICO 9

i cleaned up my equifax but now the only history I have on there is just a year or so of my debt card credit builder  reports to Equifax  from Chime and Varo.

Im looking to building up my credit history. I don't care about approval amounts  I would like to get approved somewhere that's fairly easy and quick 

Thanks!

---

Discover.

[SuperbCredit]

Really there is no history . There is a first premier charger off for $500 that says in dispute status but they haven't responded or reported in a year. Then I have 3 accounts reporting but those are self credit builder cards like varo chime and atlas that's been reporting for a year

That is it

[SuperbCredit]

I got denied

[Saleen099]

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@SuperbCredit wrote:

I got denied

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What card did you apply for?

[Patient957]

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@SuperbCredit wrote:

Really there is no history . There is a first premier charger off for $500 that says in dispute status but they haven't responded or reported in a year. Then I have 3 accounts reporting but those are self credit builder cards like varo chime and atlas that's been reporting for a year

That is it

---

So you're saying that you have an 802 credit score with a $500 charge off on your reports?  That sounds fishy to me.

For starters, post your EQ and EX FICO 8 scores, both of which are available free.  You'll get better advive here once we have that nailed down.

[SuperbCredit]

Discover denied. I used the pre qualify 

[SuperbCredit]

I have it but I do t see a option to upload a screenshot here

[SuperbCredit]

Equifax score is 741 and FICO 8 is 803

This is what's on my Equifax 

1.

EXTO INC

xxxxxxxxxxxxxxxx

Reported Balance
$20
Credit Utilization
2%
Late Payments
0
Age of Account
9mos

View details

2.

CHIMEFIN/STRIDE BANK

xxxxxxxx

Reported Balance
$0
Credit Utilization
0%
Late Payments
0
Age of Account
3yrs 5mos

View details

3.

VARO BANK, N.A.

xxxxxx

Reported Balance
$0
Credit Utilization
0%
Late Payments
0
Age of Account
2yrs 2mos

View details

Closed:

FIRST PREMIER

xxxxxxxxxxxx

• Account Status
  CLOSED Charge Off
• Balance $532
  Credit Utilization
  N/A
  Late Payments
  0
  Age of Account
  6yrs 8mos