Thank you for the articles, they were very helpful. I was thinking about trying another secured card, but I also think I am going to wait a little while. I want to see if those medical bills are going to be deleted. According to Capital One the score they got when reviewing my app was 658. If those medical bills to get deleted then my score should improve. Also, I only have a couple of inquiries on Transunion and Experian, but I have 6 on Equifax. So I am probably going to wait a few months of building my history with my care credit and go from there. Thank you for your help.