I recently had all of my accounts in collections removed, which has raised my score from 535 to about 590. I would like to further increase my score however I don’t know what else I can do. I’m current on my accounts and I only have about 3 inquiries from the past two years. I have an auto loan I’m paying off had it for about 6 months and a secured credit card from capital one a ($ 250 limit) that I’ve had for 4 months which I pay extra on monthly.
I’m hesitant on applying for loans or credit cards because I’m not sure I’ll get approved for any and I’ll just be left with an inquiry that negatively affects my score. Any tips to raise my score?