I am trying to rebuild my credit. after losing my job and being completely absent from my credit for five years I am finally in the place where I have a stable job and everything is some what back to normal.
I started September 2014 with a 539 credit score, 7 accounts in collections.
Now I have a 591 Experian, 602 TransUnion, 668 Equifax according to myFico.
Credit one gave me my first card after 5 years in September CL 300, they increase it to CL 400 in march. now I currently have a GAP CL 300, VS CL 350, Fingerhut CL 500.
I'm scared to apply for a full visa/ MasterCard because I think they are going to deny me and then I will have that inquiry on my credit.
Oh I forgot to mention 5 of those collection accounts were taken off my credit, don't know why, and the other two left I settle them but they haven't been reported to my credit yet because I have to wait 30 days they said.
So my question is, should I wait to apply for a normal credit card? should I get a secured credit card? and which card would be more easy to qualify?
Any advised would be extremely appreciated, thank you in advance.