583 is NOTHING to sneeze at from where you started. You can do it. I was at 525 about a year and a half ago- and now I am trying to break 700- I may have done it, I am just not going to check my scores until right before Christmas.
aaagirl wrote:Can you all tell me what your UTI was on your other cards at the time of application, whether it may affect approval or not, and/or if you think Hooters decisions are based soley on scores. I am in Michigan and am also wondering if anyone knows who they pull from. I have been working so hard on my scores since a terrble (abusive) marriage, and have gone from the LOW 400's to FICO median today of 583. The reason I ask is I just paid down UTI to about 50%, and intend to have it down to 10% or less by the new year, but, a larger limit card would certainly help. Any thoughts ?Thanks!aaagirl