I forgot to say that the APR went down to 18%. I have no clue what caused this exactly because I only complained once about it and a few weeks later I set up online access .
Starting Score: 492 TU 437EQ ( November 29, 2012)
Current Score: 533 TU 515EQ ( November 29, 2012)
Goal Score: 700 (For starters) Take the FICO Fitness Challenge