Thanks to the amazing info I've gathered from you folks, I have reaped amazing benefits and wouldn't have done it without you guys.
After two years of cleaning living (no lates) In the last several months Cap 1 via the their amazing team has:
1. Increaseed by 9 YEAR CREDIT limit from $1250 to $5000 (can't wait til 6 months to get next CLI)
2. Fixed a reporting issue which kept my Cap 1 off of TU for years and kept my score even lower.
3. Switched me from my old basic card to a Quicksilver card. Although the card itself looks fake, it's cash back has already put $$$ back into my pocked.
4. Dropped my Annual Fee.
I figure I'm already ahead $250-$300 in cash with the last two and who knows how much due to better APR %....and improved FICO...
The last bit of work I have is to work on deleting some lates with Cap1 but I'm amazed with how fast these other things have worked.
I COULD NOT HAVE DONE IT WITHOUT YOU GUYS!!!!! IT REALLY DOES WORK!
WTG.....congrats on all of your success w/Cap1!
Good work, congrats to your success