What would you do with this????

[Themanwhocan]

Don't apply until your scores are much much higher. Make sure yoyu understand this post:  http://ficoforums.myfico.com/t5/General-Credit-Topics/How-do-I-play-the-1-9-Utilization-Game-Please-...

Pre approvals are often for the cards teh company wants you to use, ie, what gives them more profit. Apply for the cards that best fit your spending categories.

By the way, are you interested in cash back, or travel reward points?

[RandomSpirit]

What are you specifically looking for in a card? Everyday use. Want to pay for everthing with the card and then pay in full. each month. Travel rewards and/or cash back.

Why have you narrowed it down to these CO cards . No reason other than pre-approvals.  We need your criteria to narrow down the options.

I travel 3-4 times per year across the U.S. I already have a US Airways so I guess travel is covered unless there is a better one I should get. I would also like higher limits. I guess this will come in time. There is still a lot that I don't know as far as what my criteria is. I apprecita everyones responses- it give me a lot to think and research more about.

[RandomSpirit]

Protect my ID scores are fake, Good to know. I  thouth this was a true Experian because I signed on and paid through the Experiean site. so there could be a significant variance to your actual Fico scores.

I agree with takeshi, don't let pre approvals dictate what cards you get. BoA and Chase may not have a preapproval for you but they have the ability to overturn a computer application decision with a good explanation of your negatives. So figure out what rewards you really want first.  Also good to know. Thanks.

[RandomSpirit]

Yes, thise are my only Derogs. I checked Credit Karma today and they are both not longer reporting there on TU. And Mint shows no Derogs. I was thinking I would wait untill March towards the end of the month to purchase my Fico scores  since the second derog was schedule to fall off in March.

[RandomSpirit]

This http://ficoforums.myfico.com/t5/General-Credit-Topics/How-do-I-play-the-1-9-Utilization-Game-Please-... is 

very informative thank you so much.  

At this point I think cash rewards would be my preference, then travel.   Currently, I have a good amount of travel points racked up with American, US Airways and Hlton Honors plus several travel vouchers. So, CB rewards would be my first interest then, more travel rewards.  And, I agree, now I think that I should wait untill my scores are much, much higher.