If you don't already have a credit card, get one. If you don't have a good credit score, you will have trouble getting a mortgage, and getting a good credit score takes time. If you don't have a credit score already, you may need to get a secured credit card. I recommend discover.com as a place to get a good secured card, and they will convert it to their normal card once your credit rating is better. (In about... Source: 11 months ago

Discover.com has secured cards, and will convert them to normal credit cards when your score rises enough. That's a good place to start out. Source: 11 months ago

No need to apply through credit karma. Go to discover.com and find their pre-approval tool. You can first see if you're pre-approved for any of their cards with no harm to your credit score. Source: 12 months ago

FICO scores - looked in experian.com and its listed as 749 (Fico 8). Cross verified it with discover.com and it lists it as 755 (but it says it got that from TU). Another intersting this is experian.com is showing my credit limit as 10k. I checked at annualcreditreport.com (i know this is not FICO but still) and all of them are showing my credit line as 10k. I believe this is me being due to an authorizied user on... Source: 12 months ago

I'd recommend discover.com as a good place to start. Source: about 1 year ago

But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether it’s within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: about 1 year ago

I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: about 1 year ago

Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: about 1 year ago

So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: about 1 year ago

I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: about 1 year ago