Well, thanks to the forums I have now reached a TU Fico of 672 Experian 676 and Equifax 646. I started off with 7 COs and three collections accounts.
TU/Experian still reporting a 90 day late from CapOne and two Capone Charge offs. Still one more Citi Checking plus charge off which will be removed with in 30 days.
Equifax still reporting the same as above and one additional First Bank USA CO. Suppose to fall off August- hoping for EE.
Current cards opened this year and closed:
US bank secured- Now closed
BCU secured-now Closed
Apple Rewards now closed
Fronttier card- now closed
Open cards:
Us Bank Cash rewards 800
BoA Better Balance 1500
Cap one QS 3500
Barclay Rewards 3500
Chase freedom 2500
UTI 25% now because of vacation this month will go down to about 10% with in the next 60 days. Started rebuilding exactly a year ago after ignoring collections and charge offs. Time to garden for 6 months and try for discover and Amex next! And hopefully good will CapOne
