Hello as a past Trans Union Analyst for 8 years, I would advise you to mix up your creditors to increase your score overtime. For example if you can apply for a small loan through a company like OPPLOANS. Fingerhut or a local finance company with minimum requirements that report every month to TU and EXPERIAN with minimum criteria (Job) and not 100% credit driven. Collateral loans are great too but not everyone wants to give up a title to their paidoff car or house. Purchasing a new car is also a good way to boost your score. Very important fact only utilize 30-50% of your credit card use each month. Just a few tips. Good luck.
