Two secured CC is it time for unsecured....

[CAnNY]

I started rebuilding in March this year. By the end of March I decided I needed cc's. I decided on two secured cards since my scores were in the mid 500's. one card is $200 and another is $500. With my new scores up (see signature) I am wondering if I shld apply for a non secureded card in order to get my credit score up faster or continue to garden and hope my score really goes up as needed. Plan on buying probably next year, a house.

Any suggestions. If so, what card based on my scores should I apply for?

My scores should be up today since my cards usually report on the 9th with the new util which was 37% and now down to about 17% which I plan to maintain until house time then drop to 9%.

[starry1]

I'd wait  until they are 6 months old, unless you want to try for a store card.

[Revelate]

What time next year are you planning to purhase?  If we're talking first half, I'd just sit absolutely quietly on my existing tradelines and let time work as much magic as possible in terms of score raising.  If we're talking back half of next year, YMMV but you likely aren't qualified for the good entry-level unsecured cards (Chase Freedom et al.) yet, so I'd probably still hang out and finish out the mortgage process... which is actualy important vs. credit card chasing which is comparitively trivial.

In fact that's what I'm doing right now .

[Anonymous]

I would wait until about 6 months.. unless you call the credit company and see if they can/able to convert you to unsecured... no harm in trying...

[CAnNY]

Thanks everyone for your input. I guess I will sit tight.