How long should it take to see improvement on my credit score using 2 credit cards? They are low limit, but I've been using them and paying them off for about 3 months, no over the limits or lates.
According to Credit Karma I had a score of 590 when I started. After activating my two current cards I checked and my score was down to 552, then it came up to 575 and now it's at 572. One of the inquiries just dropped off of my report and now it's showing 4 recent inquiries. Two are for the cards I have and one is for Merrick bank, I didn't ever activate the Merrick Bank card and got my security deposit back, but those 3 applications were in the last 4 months.
Is it to be expected that my credit scores will hang back for the next few months or is it an indication that something is wrong? Is there some sort of professional who could look at my credit report and try to figure out what's going on? It's important because I can't tolerate the job I'm on a minute longer, but I just can't get another job and I think my credit score is holding me back.
While I'm starting out with kind of sucky cards, like everyone else I want to try to leave myself set up to get better cards after all, who would want a $200 credit limit and $39 annual fee for the rest of their life. Now I just need to find a professional who understands I want future cards from Bank of America and Citi but I'm not looking to apply tomorrow and I don't want huge debts I can't pay.