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I have been researching these boards since March of this year, and I was planning on applying for new credit since I am planning on buying a house in the future, I had some financial diffculties around 2006 to 2008 and got in trouble after losing my job. I have since gotten a job and rebuilt my savings, but have not used or applied for any credit until this year. I was planning on applying for a couple of secured cards through NFCU and DCU, but I was not eligible for NFCU. Nevertheless, I applied at Capital One and got approved for a $500 unsecured card back at the end of March. I then applied for Barclays and Walmart but was denied for each for not having enough credit history. Since then I put a revolving utility bill charge on my Capital One card and do not charge anything else to it, making sure to keep my utilization under 30% of my limit. Right now this is my only credit card, but I have seen somewhere that I need at least three credit card accounts to help raise my credit score. My goal was to get two other cards to put my utility payments on and keep in my sock drawer otherwise, with the goal of raising my FICO score to about 720. I have had my Capital One card and made regular payments since April. I also have a couple of checking and savings accounts with two local credit unions but have not applied for a credit card or installment loans yet. What do you suggest I do to get more credit? My goal isn't to get more stuff I don't need; I just want to make payments I already make monthly to be placed on my credit cards to build my FICO score and be eligible for a god mortgage loan later on when I plan to buy a house.

So after 8 months of following repair advice from this board, I've gotten about 50% of my baddies deleted which is good but not great. Today, MYFICO states I've got a 555 which started in the pits at 493. I thought after all of the deletions I've gotten, it would be closer to 600, maybe even 650, given that I've opened up 3 secured cards in the past 4 months with util under 20%. I'm guessing I need to wait until at least the 6 month mark for these secureds to make any real impact? I've got a private student loan with a $42,000 balance which has been paid on time ($350 a month) for over 24 months. I've also got 7 different federal loans that are currently being rehabbed. After the 10th on-time payment (I'm currently on my 4th) those will convert into positive lines. I reached out to a credit repair company (Blue Sky if that matters) to have them analyze and told them what I've been doing. They stated on the phone today that I've pretty much exhausted my disputing and only time will heal the wounds (I'm looking at mid 2017 for the last baddie to fall off if I wait for SOL). Essentially they didn't want my business so for a repair company to not want my money must mean I'm screwed. I only reached out to them to get a fresh pair of eyes and to see if they can take me down any other roads that I haven't travelled but alas... They did say, however, to let my disputing rest and to call them back in 6 months because things might change. I know that repair is a patience game, but I am trying to be proactive and fix sh*t today not 3 years from now. Any advice? Thanks