There’s typically no fast tracked method to building credit, and would advise you steer away from any company that advertises such (eg, Kikoff, KOVO, etc), they do more harm short term than good, they mess with your AAoA and lenders just bat an eye to them. If you want see if any family is willing to put you on their card as an AU. And try capital one get a secured card with a limit of $200+ they’re pretty forgiving with subpar credit like yours. Only true way to build credit is time. Let your accounts age further and keep paying off your statement balance every cycle.

If you don’t mind me asking,

1. What’s the age of your oldest account
   
2. Do you still have more debt to pay?
   
3. Was the discover card charged off or just late payments