hi everyone, new to this forum. any help is appreciated. little history... erc att uverse- paid. falls off credit report october 2017 midland tmobile- paid falls off credit report july 2016 student loan-paid falls off april 2017 judgement-not paid, judgement filed 8/26/2010. due to fall off august. didn't want to pay yet as it is so close to falling off. will pay after fall off date. I have no cc's. my fico equifax score is a 590. credit karma score of 581. want to buy a new/nicely used car in spring 2015. looking to buy a house in a couple of years.(helping bf with credit also). looking to improve credit score, going to start applying for some kind of credit card, probably a secured card with 1000.00 limit. waiting for judgement to fall off credit report before I apply for anything. Questions: 1. Should I apply for more than 1 secured card when i start applying? 2. As my score is not very good, how much will hard pulls effect my score, as I don't want it to go that much lower than it is already. thank you!!!
