Both my DH and I were approved for a Barclays rewards mc with TU scores around the same (or maybe even lower) than yours is currently, with $1.3k (DH) and $1k initial CLs. DH also has a recent (2013) charge off on his CR. I suggest trying it out, especially if you don't have too many inquiries on TU since I read they're pretty inquiry-sensitive. Barclays has been great so far, great lender to get in with IMO.
Wow Congrats! I want to apply but I already have 5 inquiries on my transunion report
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