I haven't used credit for the last 7+ year's after losing my business and filing CH 7 in 2007. My scores were mid 500's starting January. I opened up secured Wells Fargo (2k) and US Bank (1K). I also worked on the last few derogs that were still listed on my CR's. I just went on an app spree with much success, although all low credit limits (1k - 2500). Cap One gave me 5K, my highest, but it's not reporting yet. I nervously applied to Chase for a Slate card a few hour's ago and got instant approval with 5500 CL, which now supercedes Cap One. While I believe my secured cards helped me initially to raise my scores, I believe they're now hurting me with low CL approvals. My EX score is 790, no derogs, but only 5 accounts listed, all with low CL's. I believe that's what's costing me high CL's. I'm hoping now that I got my foot in the door with Wells Fargo, US Bank, AMEX, Chase, SDFCU, USAA, and Cap One, that I can now work on raising all my CL's.
