You just need more time. Bottom line. Over the next 2 years or so you will have increased credit limits and have established more experience with credit. Make sure the cards you have are a mix or charge cards, retail cards and credit cards. Do not apply for more new cards so long as you have 5-8 cards already. The length of time of your credit is an average of your oldest and newest card. Opening a new account will hurt your scores. A pro tip is having for example, 3 chase or 3 Citi cards and requesting to consolidate all 3 of those cards to just a single account which should be your oldest card. So if you have 3 chase cards 5k limit on each, consolidate them to 1 card with a $15k limit. Easy 50-100 point increase. You’re young, just give it time.
