Started with (27) EX 7 months ago (21) EQ (18) TU. (677 myfico) I got (2) secured cards through cap 1 and (1) thru FP I became a AU on a friends card because i did not have any credit history saw a jump 17 points there. I now have NOTHING on TU and, (5) on EQ and (8) on EX. I am still at (47%) utilization so I have been sending in $100 extra a month to increase my CL with Cap 1 I am hoping to see more of a jump when I get that down. I pay off FP every month and pay off each Cap 1 each month. I use them. ThE (47%) is what is showing for CK. I think it is from last month I missed the cycle date. So I wonder what I will see after that is paid before the Cycle date. I am disabled so all exept for (2) were medical. I went thru each Hospital and sent in a "Patient Assistance Program" to show my income was low and had the debts forgiven but a lot still remains.. I can say this has been a full time job.. Because the HIPAA process is so difficult and they seem to have not been taking me seriously I brought A law frim on board and am glad I did, now they are doing what I could have done but they have their letterhead. this has been quite a ride am and starting to see offers ... because I have so many inquiry's am going to hold off for now on a "real" credit card. Unless this may be a temporary thing. Any advice on what steps to take next would be appreciated.
CS 728- 01/13 from 554-12/11
Goal: 800
Starting Score: 0