Just starting out after years with no cards, and one year with a Cap one Platinum that I never used. I started using and paying in full the Cap One Plat, applied for and received a Cap One QS One, and have been using that and paying in full. Recieved an email that I will have an auto increase on the QS after 6 months from opening date if all is well. Received a VS card via SCT, but I heard that store cards don’t really count, and I’m sure I will not use it often. So I have 2 regular cards, one store card. My scores are bad, in my signature. I had a few things removed and paid, and CK says I’m up 35-40 points on TU and EQ fakos, but I can’t pull another FICO for a couple of weeks. It’s doesn’t matter because they will still be very low!
I’m wondering, do I need a new card? Would it be a downgrade to add a secured card (Discover or Citi or BOA?) I only have 2 inquiries ever on my reports. I’m just wondering if it would be a good idea to add another tradeline.
My goal is to save $ 50 grand and buy a house in 2 years.
Any thoughts are much appreciated!