I've been rebuilding my credit for some time now and my score has finally gotten good enough to really make some moves. Here's what i have:
Express Store card $1250 opened 7/07
Cap One Platinum $750 opened 5/10
AMEX Optima $500 opened 11/12
Barclay's USAirways Card $1900 opened 1/13
My credit scores are as follows according to AMEX's creditsecure service:
all as of 2/9/13
Myfico.com score is 676 as of 2/17/13
I havent applied for anything other than my 2 most recent cards since 11/2011 but stupid comcast cable did make a hard pull on my credit.
I got in credit card trouble back in 2007 and fell behind on several of my cards i had back then. that same year i paid them all off and closed them for less than amount owed. some of those are still reporting that i settled for less than amount owed. 2 to be exact, wells fargo and chase.
I tried to get a CLI with capone to no avail. AMEX as per optima terms i cant get a CLI. Express just gave me a CLI in december to 1250. Up until recently i used my capone card heavily to see if they raised my CLI but they didn't even after calling and asking for one just yesterday. Since i have my barclay card that is #1 card now since january. all others have zero balance for several months now.
Any advice would be greatly appreciated! Thanks in advance