You got the three cards thats needed to build your score with time. When was your case dismissed? Do you have any loans? Car or mortgage?
Well you have the FICO rebuilders bonus with 3 cards and a loan. The lower the balance on the loan. The higher your scores will go. The judgement is the killer for now until its paid. For now. Pay that thing off and you can recover slowly. Its a pretty good baddie against you. Time is your best friend for now. More credit wont heal the wounds for now. Once all that is caught up. Then you could hit up Disco possibly. But ya gotta fix whats broken first. Which you are doing. And actually its not a bad start really. It will take some time. But it passes by quick.
@FireMedic1 knows what he’s talking about. What I’ll add is to familiarize yourself with AZEO (lots of info on this forum). Use that to manage your accounts to maximize your scoring gains. Don’t overuse your cards, let them sit and work for you while you pay off the old debts and you’ll be on track very soon.
