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My credit has improved quickly - looking for advice as how to proceed.
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Hey y’all. My credit score went up nearly 200 points in two months. My TransUnion score is currently at 709 and Equifax 703. This was mainly from an old unpaid loan coming off my history and starting two secured cards (Discover and Capital One.....I’ve already learned why Capital One is a mistake but so far I’ve kept it). I believe I qualify for unsecured cards already. Are there any reasons not to apply for them yet? Also, are there any recommendations as to which cards are best for someone trying to build credit? And while I’m at it, if I were to go the unsecured route, would there be any reason to keep the secure cards? Thanks in advance for any insight you may have.

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90%
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5 years
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704
Profile updated: 6 days ago
Posts updated: 8 months ago

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Posted
3 years ago