I'm looking at what to do next and I apologize for this long winded post, but I want to provide you with all the relative info to give you guys the best possible information to give me your best suggestions.
BR discharged 3/15/13
Median CS: 635 <I haven't signed up for MyFico yet until I'm closer to apping
Current Utilization - 2%
AAoA - 2 yrs 1 month
Current Cards:
BOA Cash Rewards AU - $7,000 (6 yrs 2 months)
Cap 1 QS WMC - $5,000 (7 months)
Cap 1 Venture One - $3,500 (7 months)
Barclay Rewards - $1,500 ( 8 months)
Merrick Bank - $1,000 (1 yr 1 month) <Will be getting rid of this account within a month
Credit One - $1,000 (1 yr 8 months) <Will be getting rid of this account within a month
Goal Cards:
Discover It
Sallie Mae
American Express <I know not real possible until BR falls off or a year left to report
Achieva CU Visa
Possibly Chase (It'd be nice to have, but not drooling over it)
I wasn't going to apply for anything until at least my 2 year mark of being discharged which would be April 2015.
I just tried pulling my Experian report for my annual pull and it said I already have, but I certainly haven't as I have only been on annual credit report once and that was only 5 minutes ago. So for now I can give detailed EQ and TU reports.
Transunion: (23 total accounts)
Inquiries: 6 (3 will be removed by May 2015, and the other 3 will be gone in August of 2016)
1 Closed collection ( will be removed 8/2017)
Postive Accounts (9)
Barclay
Status: Current
Cap One
Status: Current
Cap One
Status: Current
First Premier
Status: Paid and closed (closed 1 year ago)
Merrick
Status: Current
Credit One
Status: Current
Sallie Mae
Status: Paid and closed (closed 2 years ago)
Sallie Mae
Status: Current
Car Loan
Status: Paid and closed (closed 1 year ago)
Negative Accounts (14)
ACS/JPChase (Student Loan)
Status: Closed student loan permanently assigned to government
Fall off date: 12/2017
American Student Assistance
Status: Paid Collection
Fall off date: 7/2017
American Student Assistance
Status: Paid Collection
Fall off date: 7/2017
American Student Assistance
Status: Paid Collection
Fall off date: 7/2017
BOA
Status: Closed charge off
Fall off date: 9/2017
Flordia Department of Education
Status: Paid Collection
Fall off date: 7/2015
Flordia Department of Education
Status: Paid Collection
Fall off date: 7/2015
Nelnet (Student loan)
Status: Closed Student loan permanently assigned to government
Fall off date: 7/2015
Nelnet (Student loan)
Status: Closed Student loan permanently assigned to government
Fall off date: 7/2015
Sallie Mae
Status: Closed Debt being pd through insurance
Fall off date: 10/2015
Sallie Mae
Status: Closed Debt being pd through insurance
Fall off date: 10/2015
Sallie Mae
Status: Closed Debt being pd through insurance
Fall off date: 8/2017
Sallie Mae
Status: Closed Debt being pd through insurance
Fall off date: 8/2017
USA Funds (Student loan)
Status: Closed - Paid Payment after charge off/collection
Fall off date: 7/2015
Equifax (18 total accounts)
Inquiries: 14 (8 will be removed by May 2015, and the other 6 will be gone in August of 2016)
1 Closed collection ( will be removed 8/2017)
Postive Accounts (9)
Barclay
Status: Current
Cap One
Status: Current
Cap One
Status: Current
First Premier
Status: Paid and closed (closed 1 year ago)
Merrick
Status: Current
Credit One
Status: Current
Sallie Mae
Status: Paid and closed (closed 2 years ago)
Sallie Mae
Status: Current
Car Loan
Status: Paid and closed (closed 1 year ago)
Negative Accounts (9)
American Student Assistance
Status: Paid Collection
Fall off date: 8/2017
American Student Assistance
Status: Paid Collection
Fall off date: 8/2017
American Student Assistance
Status: Paid Collection
Fall off date: 11/2017
BOA
Status: Closed charge off
Fall off date: 10/2017
Nelnet (Student loan)
Status: Closed Student loan permanently assigned to government
Fall off date: 8/2015
Nelnet (Student loan)
Status: Closed Student loan permanently assigned to government
Fall off date: 8/2015
OSFA/EDS (Student loan)
Status: Paid Collection
Fall off: 8/2015
OSFA/EDS (Student loan)
Status: Paid Collection
Fall off: 10/2015
USA Funds (Student loan)
Status: Closed - Paid Payment after charge off/collection
Fall off date: 8/2015
With all that info. What cards will I have the best chances for? Would I have better chances after my 2 year of discharged mark or should I wait until closer to the end of the year once everything falls off for 2015? I'm in a debacle wondering if I should wait until the end of the year or not. Also, my CS hasn't budged much in the last 6 months. I wonder what gives? Utilization is low, accounts have fallen off, and I got CLI's. Please help. Thanks.
Personal:
With all those negatives I don't think even a 675 would get you a worthwhile approval with any of those lenders 
I would wait.
So then should I keep the 2 crappy cards open for padding then?
Ok great. I'll be getting rid of them shortly and I'll keep Merrick. Hopefully I'm coming up on a CLI with them too.
So so are you guys suggesting I don't app until late 17' until everything is off except the BR?