help please .. What should I do next

[Anonymous]

I don't have much on my credit report . I have one secured capita one card (6 months old) and one unsecured capital one (3months old) . I have one collections account on transunion and one experian . Both fall off in 2015 . Should I get any more cards ? Should I get a secured loan ? Or Should I sit on these cards for a while before doing anything else ?

[Anonymous]

Any idea what your scores look like?

What is your utilization on your current credit cards?

[Anonymous]

My scores been going up and down the last few months between 680 and 711 . Utilization on both cards always less than 9% .

Thanks for replying .

[B335is]

Try Discover pre qualifier. Do you need a secured loan? Have you tried goodwilling the collection?

[Anonymous]

I get discovery applecations in the mail but I never applied. I don't need a secured loan but I heard its good for someone like me with little history . Both collections are ER ambulance charges that I have done nothing about .

Thanks for replying.

[B335is]

Getting that negative off your reports will be the best thing you can do. I wouldn't app for a secured loan unless you really need it. I suggested Discover because they typically pull EQ and seem to like people with young-ish credit files. Not advocating an application, but its an option. Gardening never fails either.

[Anonymous]

That was my plan but all this info on here made me doubt some things . So you think the secured loan won't make a difference? I'm planning on getting a car loan in a year or two .

[go_FICO_self]

with your scores, i think you're good for any mid-range products out there: Discover, Chase freedom, some of Amex, Barclays, Citi, etc. I wouldn't apply for any secured stuff anymore, and wouldn't quite hit the top tier cards either. but in the middle there's plenty for you to pick from. LOTS OF CHOICES!

and if you care about credit limits, try to incease the CL of your cap1, and once it shows on your credit reports, then apply for others.

[Anonymous]

capital one sent me an email saying they will increase my limit after 6 months of on time payments . It's at 1000 right now . I guess il wait a few months before doing anything else .

Thanks for replying

[Anonymous]

What is considered top tier cards?