Hi I have been using this site the last 2years and have brought my average Fico score from 510 to where it stands today at 611. I still have a lot of work to do but would like to thank everyone for their help. I currently have only a credit card, student loan, and car loan that are reporting good information with no late payments. What is making my score so low is 2 charge offs and 2 more outstanding accounts that I am going through the process of getting validated. My question is with my current average Fico score of 611 do I need to try and get more credit via another card or different type of credit. Are the 3 types of credit I already have good enough to carry me once I get the negative stuff removed. If I did need another credit card do you know of any I would be able to get with my scores. The one card I have is through First Premiere Bank with outrages fees. I knew this going in so I only use it to purchase gas. With my Fico scores is this the best I can do.
