What kind of credit score could I see in about 2 years?(Right now its 517 according to creditkarma, but when I applied to a bank they did a soft check and it was 589.) I have 4 things in collection that are a total of $1572 that will be off by Dec. 2018. And I am planning on getting a $500 secured credit card soon and using it each month and paying off the balance. Currently I have no line of credit, and only 1 hard pull from applying to an apartment. And both the check for the credit card+apartment would also be off in addition to the 4 things in collection. Would I be in the 700+ range or is more needed to get to that level.