Nice @myCreditNeedsWings . You can use the cards all you want. Get the rewards. I say that so you dont have to pay interest. Emergencies only. Never have all your cards report a balance or none at all. FICO doesnt care for that. Basically if you cant pay it, dont charge it. You'll be fine. Your on your way!
@myCreditNeedsWings wrote:Things are going great, I have 5 Credit Cards with only 1 reporting a balance. My middle Fico Score is 617 as of 2/18/23 and I only have two (2) major issues remaining to really get rolling, and they are with "Mariner Finance LLC". They are offering a settlement for $1400 but haven't agreed to removal and are giving me until April to accept offer. The other is a collection with "IQ Data International" they bought an old apartment eviction from 2017 with an original balance of $7,000 but since they have had the account it now includes interest making the account around $9,000.
EQ - 627
TU - 618
Exp - 610
@myCreditNeedsWings Great job progressing towards your goals. I also started out with a Disco secured CC. At the time when I opened it, I could only muster up $200 but I knew once I established with them and practiced sound credit steps that they were a FI that I would do well with. I used the card as my daily driver at the time and after 6 or 7 months my deposit was returned to me and my card went from secured to a regular credit card as well as them boosting my SL 5x's over to $1K! As if I needed another perk from them but don't forget your cash back after the first year. Whatever you rack up in charges through using the card for the first year they match it dollar for dollar and also send that to you fairly soon after year one. They truly put the customers first and if you treat them well they certainly do the same back. I understand we all have preferences but I highly recommend this card to anyone rebuilding who is reading this. Anyway, congrats again and keep us posted on your continued progression, we all love a comeback story big time 
!
Starting Score: 461
Op,
Congrats on the progress, keep at it well done.
