Good mornign everyone!
For the past 6 months, I have "refocused" on rebuilding my credit, and I am in it for the long haul! 
Idk if I am credit crazy (LOL!), but I have downloaded a bunch of credit monitoring sites because Capital One is only CC I have that offers free credit monitoring.
My credit union provides an update once a month, as well, but who wants to wait a month to see updates?! LOL
Thx to this site, I found out about Credit Check Total's trial offer, so of course I signed up.
CCT scores:
>4/25/17 - TU: 632 - EQ 648 - EX 654
>5/5/17 - EX 658 (my trial period is up)
CREDIT KARMA TODAY:
>TU: 640 EQ: 637(went down due to line of credit reporting new balance)
**MY PROFILE**
Capital One QuickSilver - $2k CL with 1759 Bal (the interest is crazy but tackling this balance is my next hurdle!)
Capital ONe QuickSilverOne - $1750 CL with $387 BAL (3 lates - 1 from 2015, 2 from 2014)
HHFCU CC - $500 CL with $299 BAL
Macy's - $1K CL - $258 BAL
Zales - $1K CL - $0 BAL
US Alliance Line of Credit - $2K with $1090 BAL
Auto loan approx $7k left - 1 late pymt in 2015
AU on a leased car for a relative - perfect payment history - the lease turn in is next month
**THE UGLY**
>First Premier CC (When I applied for the US Alliance credit line, they made me pay it in order to get approved. I was just waiitng for it to age off, since they kept refusing to PFD. Once paid, I did a direct dispute, and they have finally agreed to delete - I am waiting for the update to hit my reports!!)
>Upstate Collections - defaulted in 2014 - I paid last month, and they refused to PFD - so I did the dumbest thing ever & disputed it **fingers crossed this doesn't kick me in the a** -- I just wanted it gone! (DON'T JUDGE ME!)
>ICS $1172 (will be paying off in the near future)
>A bunch of student loans ($40k-ish) - some are reporting 30,60,90... late -- this is just a big MESS that is on my list to tackle (Ughhh)...
**THE GOOD THUS FAR....**
>Capital One platinum card was upgraded to Quicksilver One
>I requested & received a $250 increase Capital One QuicksilverOne from $1500 to $1750
>I was approved for the US Alliance Line of Credit when I paid off the FP CC in collections
>Macy's increased my CL from $600 to $1K without asking!
>Zales increased from $500 to $1k with one tap of the LUV button
I paid off the QuicksilverOne Capital One card that had $1500 (at the time) with the Line of Credit to get a lower interest rate, so that I can pay it off faster (the bal was $1240 @ the time that I paid it off).
Now that the line of credit is reporting, it brought my score down slightly, but that is expected. I am not worried, because I am working on getting everything down to low balances that are manageable.
Sooo, this morning I checked Credit Karma (as I do almost everyday (DO NOT JUDGE ME..HAHA!), and noticed that my approval odds were now "GOOD" for the AMEX EveryDay CC. My trigger finger couldn't take it any longer...
I have been so hesitant in wanting to app for new credit, because I hate that sinking feeling when I get denied. Plus, I need a new car soon and I am worried about having too many inquiries ( I have 2-3 hard inquiries across all credit reports).
*****Well....I AM OFFICIALLY AN AMEX EVERYDAY CREDIT CARD HOLDER!!!!!****
$1K CL - NO BONUS REWARDS (DARN IT!) - $0 ANNUAL FEE
Now I don't want to jump out the window, and be "greedy" but if I can get an extra $1k AT LEAST added to this, to help with utilization, I would love it even more
>>>Does Amex have a recon line, and what are my odds of being approved? Or should I just be thankful & happy with what I have received, & sit my happy behind down somewhere? LML!
My income is in the high $60Ks - I know that I should bring my TOTAL utilization down to about 9%...I'm getting there...
I AM ON MY WAY -- 700 CLUB I SEE YOU )))
Welcome to the Amex family.. but I am not aware of them reconning inital CL
Not 60 days ... 61 days ... that's important 
Oopsy...61*! I might wait 62 days, just to be safe haha! Thanks again!