Welcome! Unless the APR is outrageous on the Neimann Marcuss card getting the Citibank card paid down/off should be first since its maxed out. Dropping your utility will greatly improve your credit worthiness. Perhaps additional information can be given if you post your current scores and the APRs on each account. Any other baddies?
@BigBS wrote:Welcome! Unless the APR is outrageous on the Neimann Marcuss card getting the Citibank card paid down/off should be first since its maxed out. Dropping your utility will greatly improve your credit worthiness. Perhaps additional information can be given if you post your current scores and the APRs on each account. Any other baddies?
+1, Definitly pay down that utilization
Normally, you would want to pay the highest interest rate cards off first, but in your case they utilization is a bigger problem. Continue paying slightly above minimum on the NM account and pay heavily on the Citibank account to get it below 30% and your overall percentage below 30%. After that look to get things under 10% and with the agining of the lates your scores will definitely improve. That's just my $.02.
@NYCinDebt wrote:Thanks for the reply!
Current Scores are: EQ-646, EX-666, TU-668
The interest rates on my cards are:
Citi 14.2% Pay down and call Citi and ask for CLI (keep in mind it could be HP)
Amex 18.2% Use & pay this one and keep balance at $0 if you can each month
Neiman 24% Pay this one off & also give them a call and ask for CLI (Should be SP)
Since 2010 I have not had any late payments. After I graduated college in 2009 there were a lot of missed and late payments on my cards and student loans. Since 2010 I have not missed any payments and have been paying down balances. In 2010 my credit scores were in the low 500's
Just like others stated, try to keep your overall UTIL down as much as you can by paying down on your Citi agressively and let your new balances report. You'll see some changes in your scores after 5-6months (if your overall util is under 30%), and it'll open some doors for ya for other cards down the road.
Welcome to the forum and great job on your credit rebuilding journey! 
@NYCinDebt wrote:Thank you, I'm slowy chippng away paying down these cards. I just paid off the MSU Visa this month after 3 years and paid off the Amex with my tax refund also. Should I ask for any credit limit increases, I have never done that, or ask for interest rate reductions?
Get your utilization down to enhance your chances of CLI.
@NYCinDebt wrote:Thank you, I'm slowy chippng away paying down these cards. I just paid off the MSU Visa this month after 3 years and paid off the Amex with my tax refund also. Should I ask for any credit limit increases, I have never done that, or ask for interest rate reductions?
I would see if CLIs are possible without a HP and definitely call and ask for a reduction in interest rate. It doesn't hurt to ask!