Thread: I know these questions have been asked before but......

What you got is fine to track the progress of your TransUnion-based FICO score. You can pull your Equifax credit reports for free via annualcreditreport.com and then compare the report to your TU credit report too. If they are similar, both FICO scores should be similar in theory. If at any time you need to see your Equifax-based score, you can always purchase it separately.

Originally Posted by JoshuaHeckathorn

I would stick with the secured card for the next 6 months or so, continuing to keep your credit utilization low, always paying on time, and increasing your credit limit. Once your FICO scores climb into the fair range (650ish), I would then think about getting another card with a lower annual fee, rewards program, etc. What are your current FICO scores?

My sister in law had a prepared card with Capital One for $200 and after 6 months of using the card she was approved for a $2000 Capital One Platinum card. This card did not have a rewards program but had a much higher credit limit. She just applied online it was pretty easy! Thanks! Heather with BoostMyScore.NET