Does this seem like a good building plan?

[A_Noob]

I'm working to build my credit for the next year and a half so it is in tip top shape for when it comes time to purchase a house. As of right now, I have 1 secured credit card ($500 limit) that I opened in August 2013, an auto loan that I opened in October 2013 which I then refinanced in February 2014 at a credit union for a much, much lower rate, and 1 unsecured card ($500 limit) that I opened in march off of the same HP from the car refi. I was thinking of trying to add 1 more card and maybe a secure loan for a long term and a low dollar amount at the credit union ($500/4 year or something like that) and then gardening for a full year while keeping the card balances between 1% and 9% (per the advice of the forums here). The forums have helped tremendously so far (did a PFD on an old phone bill) and just browsing around this seems like the best course of action. My payment history is flawless and I have no collections or judgements but the secured card that I got in August 2013 is literally the first tradeline I've ever had. Does anyone else have any other recommendations or advice?

[A_Noob]

Oh, and potentially asking for a CLI on the unsecured card since it is through SCFCU if they have to do a HP for the secured loan.

[Revelate]

I'd wait till September and pick up an entry level rewards card or two, and then do the share secured loan either with SDFCU as you intimate or Alliant potentially.

The cards you're qualified for currently would be somewhat suboptimal, and you'll be in a much better place after the new car and new auto loan report the sixth payment, and your original C1 secured has ticked over a year which clears a non-trivial underwriting hurdle for Chase and possible Amex revolver too.  You're less than half a year out, I'd absolutely wait in your scenario: you have enough tradelines on your report for where you are in the credit building phase, picking up less than optimal ones for now aren't going to help you in the longer run.

[A_Noob]

Good call with the september thing. I guess a full year reported would look a whole lot better in their eyes. Thanks!