I ruined my credit between 18-20 being an idiot financially. Last year i decided to take some action and try to build credit, i got two secured cards (citi, first progress) and have never missed a payment. I recently got 2 unsecured cards through Total Visa and Card One (not planning on using besides for something small like netflix) to add some available credit. What else can i do to help improve my score? My negatives wont move ive sent PFD attempts to no avail. Im keeping my utilization at 30% or below but dont see much if any change in my score month after month (ive been at 520 fico for about 4 months).