Help needed !

[Anonymous]

Hello

I am new to the forum and I have read a ton of posts of informative information and I appreciate any help in advance .

Here's my situation I'm trying to build my credit .i actually started last August with a credit score of 580 .
I am supposedly up to 714 Trans Union and 701 equi fax according to credit karma . I also received fico score from my Discover card and it is 690 .

I started last August with a $1000 secured installment loan . I have three more payments until finished .
I then began at the same time and get a secured credit one Bank $500 card which I have now closed . But both enabled me to apply for greater credit cards and here they are
Venture one 10k cl
Chase freedom 3k
Amex bcp 2k
Boa mlb 1k
Discover 1600
All of which I have opened since December so I imagine my credit is going to start taking a hit for the hard pulls (3 of those cards from this march lol )

My utilization is 2%
My average age of accounts is seven years
However I also owe 7000 on the student loan which I haven't been paying lol

There is my history I would just like to know the best strategy and where to go to from here ....do I need more installment loans or should I just garden ??

or any other advice you can give me I would greatly appreciate it .
I have definitely improved my scores just from reading this forum but I know I'm missing a lot . thanks in advance !!!

[Anonymous]

Garden and ask for the CLI with a soft pull only for a bit! Let it grow and you will be fine. Don't be in a huge hurry. Enjoy the ride and learn a few things while on your way up! It's what I did. Now I got a mortgage and enough credit to do whatever I need! GL!

[Anonymous]

Thank you for the reply ! I've definitely got to work on being patient las you can tell I've tried to make my credit jump as fast as I can it's probably going to hurt me a lil . As far as cli I already asked discover (denied of course) and cap one (approved 1k) so yeah I really have to work on gardening lol