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@jsk300 wrote:Hello FICO family-I am in the process of rebuilding my credit and have applied for and received an unsecured CC with Cap1 for $300. My current FICO score for EQ is 630 (I can not obtain my TU/EX scores due to lack of information or open accounts to calculate a score). Anyways, the new TL for Cap1 is not reporting yet. I did run the FICO simulator option of obtaining a new CC with $300 limit, to see how my score would change. It indicates that my scores could increase to the 690-720 range!?!?!? Would I see such a big jump in scores like this, or am I getting my hopes up? I hope that once this new TL starts reporting, that I will be able to pull my TU/EX FICOS. Those were in the high 500's last time I was able to pull them (10/07). I've seen on here that having less that 30% utilization would be ideal for scoring. I do plan on not using more than that ($90/month or so) and will be paying off the balance in full every month, so I am hopeful that will help raise my scores even more. Any other suggestions as to how else I could get my score to increase?I do still have 2 baddies on my CR's that I've been disputing/DV'ing for some time, but LVNV and Midland don't like to play nice. Both are old CC debts that the SOL has passed on (I'm in IL and it's 5 years for Open Accounts) and they are both due to fall off in 05/2009 (LVNV) and 11/2009 (Midland). I've sent them both FOAD letters, and have sent copies of all my documentation (letters/CMRRR's) to the CRA's and hopefully they will remove them since neither one has provided me any validation.Thanks all!!!