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AKCmovingup

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What Credit to open next?
My goal is to get my credit above 700, im currently at 677. My credit history is shorter than average, includes one charge-off from 2 years ago. I have one credit card that I keep utilization under 30%, and a mortgage. I want to build my credit but Im afraid to get another credit card because of hard inquiries..... i know that furniture credit is sometimes a good option, I just dont know that I can swing the extra monthly payment right now. My car is in my husbands name, so that credit doesnt reflect on my report.

I also dont want to open something now, have a hard inquiry, and then get turned down for credit for something that I may actually need credit for.

Looking for advice!

Thank you in advance for your time!

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Please read  the articles on this site so you can learn how to build your credit.  That is what Credit Karma is all about--educating people on how to build and use credit.

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