In the last 6 months I have taken the advice given on this board. I started out with a score around 528 and now it's 647. I had the following cards:
Capital One Mastercard ($1,200 limit)
Capital One Visa $1,200 limit)
Target ($200 limit)
Care Credit (1,000 limit)
Sam's Club (1,000 limit)
I've now been able to get an American Express with a $5,000 limit, an increase to $3,500 for Care Credit and Walmart $1,000. I work for a law firm making around $70,000 and have a part-time job transcribing workers' comp tapes. I was just diligent about paying everything off each pay period and now I owe nothing on any card but the American Express $400 which I will pay off next pay period. I can't thank everyone on this board who has contributed so much to my knowledge on credit. Yes, my credit has a ways to go to increase. There are two delinquencies that were from years ago that I'm trying to work out a settlement on, but I am so pleased with the results of the last few months.