I have been rebuilding my credit for the last 12 months and have cleaned it up as much as I can at this point. How successful do you think I would be with applying for prime credit cards? This is what my credit reports look as of today?
Capital One Auto Loan - $21,000 (opened April 2011)
Capital One CC- $7,500 (opened Sept 2011 - started with $500 CL)
JC Penney - $2,500 (opened June 2011 - started with $150 CL)
Fingerhut - $1,280 (opened Jube 2011 - started with $250 CL)
Victoria's Secret $850 (opened June 2011 - started with $250 CL)
Merrick Bank $600 (opened March 2007 - no CLIs)
Credit One $400 (opened August 2011 - given the option to pay for CLIs, I said NO)
Account History - 19.3 years
AAOA - 6 years
Baddies - pax state tax lien (lien filed 2009)
HSBC CO -- 2008
Merrick banks - 3 lates, last one occured two years ago)
Starting Score 2/10/12: FICO TU 576, FICO EQ 582, EX PLUS 597