New here =, been reading a lot but still lost as to how to get al this rolling, Have gotten a Secured credit card from Capital One and use it and pay the balance off Often, Only have aout 14k in Debt (student Loan) some derogatory remarks on report and i think 2 or 3 collection accounts (old cell phone billl) I am making the effort to pay off the collections, my loan is ontime with payments. I make about 1700 a month with work depending on hours, I have Very low bills, my car is paid for, only have a cell phone bill, power, internet, and car insurance to pay.
I want to build up my score to secure a low apr on a newer car. and then just continue to build the score , and secure a few good credit cards and bild the limit. I dont buy many things or splurge on stuff. dont plan on buying a house. Help?