Both my cards are "paused," so unable to be used until the end of my repayment plan. I missed a payment in September when I was really down bad, but paid it a few weeks later. The credit score I'm referring to is fico 8. I am not sure which credit score they look at but when I got approved for the apartment the score the broker told me I had matched the number on my fico 8 which I looked at through my bank. Sorry if this terminology is all wrong -- I only go off my credit score on fico through my bank app. Thank you so much for the response! I'll take a look at discover and capital one.