I guess using an unsecured Capital One card would be a good idea to get rid of the Zync.  I'll have had the secured card with great history as well as an auto loan through them. (if that helps)  Maybe in 7 I can get a cap 1 unsecured, ditch the FP, then get the zync.  

I can always keep checking pre-auth pages online when I get scoring bumps along the way to see what I might pre-qualify for.