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what is my next move for credit increase?
Ok. Been working on my credit. My goal is to purchase rental property or open a small business. Got 4 credit cards with limit totalling around 22,000. Got a bank loan, secured with a CD, for 1000. Have 3 neg. on credit-Business card that account manager allowed to default and go into collections (paid off) and a couple of missed payments about 18 months ago. Bank said that I would need to get a larger loan around 5000. Should I pay off the 1000 and get another one for that amount? And should I do it secured or unsecured? Score is currently in the 711 range on credit karma. Don't need a car or anything else, so I am not looking to purchase anything. But I guess I could upgrade my older car which is paid for but little trade in value.

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