It depends on what is on your report, lates, collections, judgements, BK, etc. What I'm doing is this: got two secured cc and will have CL on them at 1k when they first report. I had 4 bogus items on report that I disputed online with all three companies. I had one bill that wasn't current and two collections. I tried PFD on collections and ended up just paying and GWing them. I got late account current.
I have 4 accounts in bad standing (previous late payments) that I'm GWing all of them. I have 1 account that is showing 120 day late on a balance of zero. Bank admitted error but said I have to dispute. Account goes 7 years in august so I'm just letting that sit.
I will use my cc for 6 months and charge about 90 to each one and may off completely before the statement is sent. With the exception that I'll leave one with $10 balance and I'll pay that before due date.
Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750Take the FICO Fitness Challenge