Ok then. List out the baddies like this:
Creditor/Credit Line/Balance
Collection Agency Name/ Amount owed
Then when we have something to work with. We'll set out a plan.
Welcome to the forums
First, as @FireMedic1 said, list out everything in an easy to read way.
Secondly, take care of those 4 medical collections using the below steps:
@gdale6 wrote:
1. Call the OC and see if insurance can be billed, (or-rebilled), collections ultimately paid by insurance get removed per new rules that came from CRAs settlement with 22 state AGs. If not then
2. see if you qualify for Charity Care, if not then
3. ask that they recall the collection in exchange for full payment
4. Send the reporting CA a PFD offer
5. Google the HIPAA Process and contact its creator for help, this process cannot be discussed in any forum of myFico.
Though you may have to wait until the dispute is resolved. What was the dispute for?
I'm not sure where you heard that cards with banks are "better than online ones," but that's completely false. Apply wherever you'd like as long as it's not a predatory card like First Premier or Credit One.
You don't *need* installment debt, but if you happen to have any sort of installment loan, whether it's auto, mortgage, personal, student, etc., you're good. It provides a small boost to your credit mix. But on a dirty file such as yours, the credit mix portion is basically negligible.
Do pay attention to your MyFICO scores, ignore the Credit Karma scores. They're Vantage 3.0 scores, which are basically not used by any major lenders. The FICO scores you listed I'm assuming are FICO 8s, which are usually the golden standard, but for mortgages, those aren't the ones used. You need to look at the respective mortgage scores on each bureau: EX2, EQ5, TU4.
Thank you for the information I put in a dispute for the collections hopefully they can be removed.
I keep getting credit offers for First Premier and Fingerhut, I didnt want to do those. I am not sure which other secured cards I would get approved for. I do have a local Credit Union but I am not sure of thier credit requirements I will have to go into a branch and see.
Should I take care of the collections first or go ahead and apply for other secured cards?
I will stop paying attention to Credit Karma 
Pay all attention to fixing whats broken first. No need to increase credit limit for now. More credit doesnt raise a score unless your carrying a balance. Or any more cards until all is fixed. Work out a plan to pay all the debts either settled or PIF. Once that happens and reports. Then check scores. Come back here and we'll guide you in the right direction. Ignore the vulture cards for now.
@executiveassist wrote:Hi thank you for your reply. Here is the breakdown.
I did opt to increase my secured discover card limit from $200 to $1,000 so I am waiting for that to process.
Ad Astra - speedy cash 3733 opened 7/4/2019
Credit Systems- Texas Health 277 12/30/2020
Credit Systems Texa Health 208 12/31/2020
Credit Systems Texas Health 240 9/25/2020
Phoenix Financial 135 10/26/2016
BK Ch 7 3/20/2015
Open debt
Westlake financial 8/2/21 9,560 payments ontime
Discover 11/19/2021 146 limit 200 payments ontimeStudent loans total 7,710 10/8/2021 forbearance
If its National Credit Systems. Ad Astra and NCS will PFD if settled or PIF from previous success stories. Before that. Contact Texas Health and see if they will take payment in exchange for recalling their collections.
Side note. If you want to respond to a certain poster. Click "reply". Then click "quote" top right of the page. Type responce below the left hand grey line. If you want to speak to a certain poster add this "@". Drop down box will show, click on the poster. There ya go! @executiveassist
@executiveassist wrote:Thank you for the information I put in a dispute for the collections hopefully they can be removed.
I keep getting credit offers for First Premier and Fingerhut, I didnt want to do those. I am not sure which other secured cards I would get approved for. I do have a local Credit Union but I am not sure of thier credit requirements I will have to go into a branch and see.
Should I take care of the collections first or go ahead and apply for other secured cards?
I will stop paying attention to Credit Karma
I understand you put I'm a dispute for the collections, but what I'm asking is what is the basis of your dispute. In other words, *what* about the collection are you disputing? Disputes are to correct inaccurate information, not to try to get collections removed just because you don't want them on your reports.
As @FireMedic1 said, first take care of your negative information, let it update, and THEN worry about new credit.