It seems like you are headed into the right direction, but need an installment loan reporting.
What made a big difference in the beginning for me, was my first auto loan. Paying as agreed on a loan would add to your "credit mix". This would help secure the best rates on a mortgage.
I'm sure some more experienced myficoers will chime in soon.
Good luck with everything and welcome!
What made a big difference in the beginning for me, was my first auto loan. Paying as agreed on a loan would add to your "credit mix". This would help secure the best rates on a mortgage.
I'm sure some more experienced myficoers will chime in soon.
Good luck with everything and welcome!
Welcome @Anonymous Hope your not carrying high balances and such. If so. Keep one low and the others PIF and time will do its thing like the others have said. 
@Anonymous wrote:
Hey everyone, new to the forum here. I have recently been having some frustration over my credit scores. It seems that no one wants to approve due to the fact that I am only 20 and my score refuses to budge due to lack of account history. I currently make around 70k a year and I’m not sure what my best step forward is. Current cards are Cap One Journey @600CL Cap One Platinum @750CL Discover It Chrome for students @1000CL
PS my main goal is to build my credit for two reasons: I want to invest in real estate soon and I need a mortgage and to be able to get a decent rewards card, currently looking at Bonvoy Boundless. I made it to Gold Elite by myself so I feel like I’m throwing away a lot of points as long as I am unable to get the actual Bonvoy card.
1. What are your FICO 8 scores?
2. How new are your accounts?
3. How many hard pulls have you had on the 3 bureaus during the past year and past 6 months?
4. What installment loans do you have and what is the original loan amount and the current balance on each?
5. What are the limits and current balances on your revolving accounts?
With this information we can guide you on improving your score.
@Anonymous wrote:
My main three credit cards are a capital one journey rewards (14months)$600 limit, a discover it chrome(8 months)$1000 limit, and a capital one platinum (6months)$750 limit I keep for credit utilization purposes. I also have an amazon store card from synchrony.(7months) My FICO scores vary between 620-690ish depending on if I paid my balance off before or after my statement was generated. I have never carried a balance on any card but find it hard to not max out the cards as I have low limits and higher spending needs. Loan is a credit builder for $500 over two years. I am about 9 months in. Inquiries over last two years total about 10, but only 4 were last 12 months.
1. Make sure all your revolving accounts, except one, report a zero balance.
2. The one card which reports a balance should be either the Discover card or the Capital One card and it should be a small balance, like $20 or so.
3. Pay the loan down to a $45 balance.
1 and 2 will help your mortgage scores, and will either help or have no effect on your FICO 8 scores.
3 will help your FICO 8 scores, and may slightly help one or more of the mortgage scores.