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Ok, ready for a story?! I am currently rebuilding credit. I think at my lowest point my score was a 520 something. I still cringe thinking about it. After paying off everything I could, and disputing until my fingers fell off I've managed to start builing my score up. My FICO are as follows Experian: 612 -- Exquifax: 635 -- Transunion: 661. I have 1 account that is in collections and not paid, When I called the company to pay it, I was told they don't hold the collections on it any longer, and I should contact the original company. The orig company says there is no record. Due to this information I've disputed the item and hopefully it will be off soon. Another baddie is a judgement added in October of 2012. - its now paid as well, but of course still reporting. I have 4 cards, A credit one with a CL of 550, a First Premier with CL 300, A matrix with CL of 300 and my Local Credit union with a CL of 5000. All except the Credit union are paid down. I know I need to get the credit union down, which I'm working on. I know the 3 other cards I have aren't good ones. When do I apply for other "regular" cards so that I can close these? And how else do I help my score to go up? I have about 16 inquiries, and 12 of them will fall off by the end of this year (they've reached the 2 year limit) -- Is it time for me to just be patient for a year or so and let the score creep up on its own? please feel free to ask questions if I've left out any details that would help! My goal is to be in the 700's, and I'm thinking I have a good 2 years to go before I get there --- does that sound right? I think I need a card that is a higher credit limit -- I have 3 Credit cards I've gotten since the purge (lol) -- I paid everything off and 6 months later decided to apply for credit. My first 2 cards were First Premier and Matrix Discover. Both of these were opened in April 2013 with a limit of 300. In November of 2013 I opened a Credit One card and they gave me 400, in December I got an auto CLI of 150 and my limit is now 550. I've never gotten an increase on First Premier - I requested one a couple of months back, and they said I didn't meet the criteria (being a member for a year) So I guess I'll try again in may. As for Matrix, they changed from Discover to MasterCard. Still no Auto CLI, and I've never requested one. Should I ask? CreditOne, hasn't given anything since that first one in December, definitely nothing in the "offers" section. Should I ask or Wait on that one too? I just feel like having such low limits on them are hurting me, although the payment history is awesome because it definitely helps. MyFico as of 3/25 TU - 661 EX - 612 EQ- 635 On the experian website (through USAA) as of 3/13 TU- 666 EX-583 EQ- 553 On Transunion site, my score is 620 as of today On Exquifax site, My score is 622 as of today

Hello everyone, thanks for reading my post. My wife came to the states last year(Jan 2012), and i made her an AU on 2 of my CCs. Macy's & Cap1. Both cards are around 3 years old and have <15% Uti. After she was an AU with me for 1 year i went to BofA and got her a secured CC(February 2013). Now she is receiving pre approved offers for discover it card, chase freedom and citi diamond. I was wondering if it would be a good idea to app for one of those and then let it age with the BofA card, or wait for the BofA to become unsecured and possibly a higher limit before i apply for any more cards??