So based on everyone's awesome advice this is my plan for the next 3 months:
- Pay down all my cards to get to under 10% utilization
- Close my 2 First Premier accounts. I will close the one with a $250 limit after I pay the balance next week, then close the "Platinum" card in June.
- Close my Credit One account in June
- Try Capital One EO again for CLI on my Capital One card
- Apply for Chase Freedom or Barclays Sallie Mae reward card in late July/August after the reports update.
- If I get approved for one or both of above and get the CLI from Cap One I will then close all my remaining rebuilder cards.
I also intend to apply for a mortgage in September. In the past year I have only 2 inquiries on my TU and EX, 4 on my EQ. So I don't think inquiries wll be an issue. Thoughts?
Starting Score: FICO TU 503 FICO EX 470 FICO EQ 498