Congrats!
Just keep up with it. I was in your shoes some years ago. Actually not too long ago. I was so frustrated with things I basically just got to the point I ignored it and paid for everything in cash. Never thought I'd qualify for a home or Amex cards. Dispute what you can legitimately dispute. Once it starts getting better and you start getting CLI increases it raises like a rocket. I went from 676 to 740ish over about 7 months, and 676-725 after a few disputes went through. https://pasteboard.co/1P69Ox3na.png
Do yourself a huge favor and log in and set the minimum payment autodraft. That is what ruined my credit. I opened a ton of secured cards when I was your age because I was trying to sprint up to goo dcredit and they were all cards with absolutely terrible websites that nowadays are obviously just ways to keep you from being able to log in and make payments. Capital One has a great site so you're fine there. But the Applied Banks, Merricks, First Premiers, all those guys are terrible.
Obviously pay the cards off monthly if you can, but DO set automatic payments. I would have saved a LOT of time, years, if instead of missing my payoff payment I had let an auto-payment go through and then send in my own one-time payment later on (when I could log in, or when I remembered it).
Might sound crazy to forget a CC bill but I honestly had like 7 of these things with $300-500 limits. It was terrible. I still keep one open because it's by far my oldest account. Still has a $300 limit, too. I watch that thing like a hawk and need Scotch every time I pay it's crappy $70 annual fee. But it's 4-5 years older than every single one of my other accounts.. Oh, Applied Bank. One day we'll be done.
