Hi guys and thanks for the welcome! And yes trying to improve my credit. I have a Orchard Bank Mastercard and a Dillards card. But that is about it! I pay them off when I can, but I haven’t been able to lately. But I pay on time and more then what is due. I’m looking forward to getting my card and I’m just going to use it for Christmas (buy a couple things here and there) pay it off and use it again. And that is about it. 
Lol