Thank you all for the clarification and help 
Current lines: Chase Freedom $500 l Walmart Store $600 l Orchard bank $320 l First Premier $300 l First Premier (2) $300 l Capital One Secured $320 l Fingerhut Store $700 l Kay Jewelers $1200 l Navy Federal Visa Signature $6000
Starting Score: 7/12: EFX: 581 EXP: 611
Current Score: EFX: 609
Goal Score: 650 by end of the year