RobertEG asked some very good questions. What we need is a clear brief list of your credit cards (all revolving accounts), their balances, and their limits. Based on reading through your posts several times, I believe you have five, though it may be four:
Card 1: Ox Pub. Balance = ??? Limit = $2500
Card 2: myJewelers Balance = ??? Limit = ???
Card 3: Name? Balance = $1500 Limit = $1750
Card 4: Name? Balance = $1200 Limit = $1500
Card 5: WalMart Balance = $0 Limit = $200
If two of those tradelines are the same card, let us know. (That would mean you have four, rather than five.) Also it would help if you would fill in the answer to everything in red.
Here is what you need to do.
* Create a plan that will ensure that you are never ever late on a payment again. You have some lates on your report and that is bad for your score. Even one late is bad.
* Pay all of your CC debt to zero.
* Then (after all debt is at $0) use exactly one card for something small. Let the statement print and then pay off the statement. Do that every month. Keep most cards at zero.
* To prevent cards from being closed due to inactivity, use each one every six months.
As far as the Ox Pub account, it is expensive and not helping you. Three revolving tradelines is all you need. Since you already have the Ox card, you might choose to keep it open through the initial 6-7 months. Or you can contact Ox now and sort through what you need to do to close it. Regardlesss make sure you have discussed the closure with them and have paid all fees. Very important that the account not get reported delinquent or with a positive balance.
A year after you have paid all cards to zero, you might explore adding a new card, though doing so will not help your score. You should make almost all your purchases on debit cards until you have gotten into a rhythm of creating a substantial savings account with cash in it for emergencies. That may take a couple years. And always moving forward pay your CC statement balances in full.
