I am trying to rebuild and decrease my utilization to get my scores up. I pay my full balances on both my Cap1 cards every month and then use them for bills, expenses, etc. One of my cards was credit steps and I got the automatic increase after 5 cycles and the other they have given me one CLI randomly (went from $300 to $550 after having it for a few years). It's been well over 6 months since I've gotten any CLIs on either card. I did the "request increase" on their website and got $100 on one card ($550 to $650) and $250 on the other ($750 to $1000). Yay.
FICO® 8 Scores: 10/16: TU 592 -- EQ 579 -- EX 573; 11/16: TU 626 -- EQ 614 -- EX 605; 12/16: TU 606 -- EQ 589 -- EX 594
FICO® Mortgage Scores: 10/16: TU 588 -- EQ 567 -- EX 566
10/16: Negatives: 10 charge-offs; 7 collections (one "closed"); 1 Ch. 7 BK (filed 12/2008)
Positives: 2 Cap1s; Nordstrom; 4 Comenity store cards; Amazon store card, Care Credit, 76 gas card, and F21 Visa; 2 student loans
