EatDressWell wrote:And am looking for an everyday card. I have one bill in collections which I'm working on a PFD.
How can I increase my score by 100 pts by the end of the year? If possible?
Big improvements come from addressing issues with a big impact. That would be the collection in your case. If your revolving utilization is in check then the rest of it is mostly going to be responsibly managing your accounts, building your AAoA and gradually adding accounts as your profile allows to thicken it.
EatDressWell wrote:Are there any you would pair together to max points/miles ie: chase sapphire + freedom unlimited?
It's not just a matter of the cards themselves. You need to determine where the majority of your spend is going and maximize rewards on where the bulk of your spend is going.
For programs like UR, SPG, etc you need to carefully consider the redemptions processes for the programs, which ones you can use and how that impact rewards value for you. Run the numbers for your spend and do your analysis. Do you really have enough spend to spread among multiple programs?
EatDressWell wrote:And am looking for an everyday card.
If you can properly leverage UR and/or SPG you probably don't need one. If not, then you probably shouldn't be considering UR and/or SPG cards.
EatDressWell wrote:With that being said, my fico is just under 600
You don't have just one FICO. There are many FICO models used by creditors. For most models you have a score with each of the 3 major CRA's. Make sure you're considering both the specific scoring model & the CRA when referencing any score. Also consider the relevance of the model/CRA combo to a given creditor/product. Make sure you're paying attention to your reports with all 3 of the major CRA's.