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  1. Hi all!! Small question, I was upgraded to the regular card with Fingerhut from the "fresh start" program on Dec 17th. My Credit Karma went from 565 to 627, I know those scores don't count. Anyway, when would I be able to apply for another starter card or easy approvals? Before the fingerhut reported, I applied to Target and was told I needed revolving accounts. Now I wish I had waited to apply. That was a couple months ago. I also have 4 inquiries on TU and a couple on EQ. I have a couple baddies (T-Mobile) $247 and $455 on TU and EQ and one or two collections that are set to fall off within the year. Experian is a different story and has tons which I am disputing because I have no idea what they are. Thank you!!!
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