My credit was the pits when I was just starting out on my own. I couldn't even get a phone in my name due to the dreaded mother who has her bills in her kids names......Anyway, fast forward many, many years later in 2008 I purchased a car from an actual dealership, with my big bro as a co-signer. I paid that car on time
every month for 4 years, never missing a payment. I didn't apply for anything and made sure that anything I got, I could afford to pay for. I did get a capital 1 secured card and only made gas purchases with it. Last year, I decided I was ready for a new car, but sorta didn't want the hassle of what I went thru for the other car. On a whim, I visited the dealership near my house and walked out with a 2014 Mazda 6 - no money down! Its not a super fancy car, but its my first brand new car
! That was in March of this year. I had no idea that my credit score had increased so much! Since that time I have scored 3 additional cards - Walmart, JCP, and Old Navy - all within 3 months of each other and I got my car refinanced after having it for only 2 months at 5.99% thru my bank and they gave me a signature loan for $1K!
I, too, and a member of the ficoforum and reading thru the pages has given me a great deal of insight. OP, they have the backdoor numbers to many of the CC companies and many people have had positive experiences after calling for an increase. I would start there.
And good luck to you.