The scores that I had pulled in August were from myFICO.com. I've been working on my credit since the beginning of the year and I've seen good improvements so I thought I was at a point where I can apply for a credit card and be approved. I thought to myself if I can get a mortgage in May, heck, why not a secured credit card. I know for sure that the credit cards where I'm an AU are taken into consideration because my report states that my utilization ratio is great (under 5% and the credit available on those two cards are $35000). I have no other credit cards but these so they must have taken these into consideration. I called Bank of America and they told me to wait 6 months and to apply again. My student loans kicked in on my credit report 6 months ago, my car loan kicked in about 8 months ago and my mortgage barely in May so they told me to have 6 months of more activity and when that time comes, I shouldn't have a hard time getting credit with Bank of America. I'm looking at the bright side of things here. I don't NEED the credit, I just wanted the credit to rebuild my file. I'm 23 years old, have a house, have a car, make $90K a year, but I wanted to "fix" the stuff I did when I was a freshman in college. Another way to look at it is with the economy the way that it is, credit may decrease, but at least I have what I need and don't live beyond my means. Hopefully by the time things get settled in this country, the baddies will be removed and I'll have a fresh new plate to work with. Thanks for everyone who responded. Let's hope that in 6 months, I'll be doing the happy dance like some of you have been!
Starting Score: 454