@Anonymous wrote:The mortgage is my #1 goal by far.
1. The Capitol One account that has a $1300 dollar limit is my oldest account and is 100% secured by my funds.
2. If closing the Capital One account doesnt not hurt me because it is my oldest account I most certainly will put the $1300 toward Genesis.
Closing it won't hurt you at all. (a) It will probably be on your reports for 10 years or so after it's closed. (b) It's not that much older than some of your other cards.
3. I have rarely used Credit One. Instead of those fools just charging an annual fee they want to make you pay $8.25 per month.
You should definitely be getting rid of that one. Yesterday if not sooner
Also, as you have been advised, get rid of Affirm and perhaps some of the other junk.
4.Discover, Amex Delta, and CapOne I have hit up and been denied. Cap One always denies me and they recently only gave me a $100 increase on the Walmart card.
5. I had a bad patch in my life and missed some things and this student loan was one of them. I had been paying a small payment to get into a good status and it appears on my credit report now. The payment status is Current and paid on time.
It sounds like I simply need to stop applying for credit for a year atleast.
True
And try to get CL increases rather than applying for new cards.
The Dell Preferred account is just like any other revolving store card. It's not a loan and paying it to $0 will not close the account unless you go an extremely long time without using it, in which case it may be closed for inactivity. I think I went maybe 9 years without using mine and they didn't close it, but I ended up closing it myself a few years ago.
@Anonymous wrote:
How did you handle your Dell Preferred account? Is it paid off? The reason I asked is because I got
a SL of $3000 but immediately paid it down $2850 so it only reported $150. Paid my second month
minimum @ $20 dollar but if you pay it off, does the account close or stay open as a revolver? I've
heard multiple discrepencies so I'd like to see your feedback on what the reporting behavior. Thank
you in advance!
Like the above poster mentioned, it's just a revolving account like any other credit card. In my experience, if you don't have activity for the month then it doesn't report. One interesting peculiarity is that it reports to the bureaus at the end of the month, even though my payment due date is on the 8th of the following month and the statement cuts on the 13th. So that's something to keep in mind if you are carrying a balance. It's currently my oldest active account and miraculously survived my BK7 intact, so I like to keep it happy with occasional small purchases, adequate sunlight, and routine watering 
You have already gotten some great advice so i just wanted to pop in and say good luck on your rebuild journey. I do think its great that you have the insight to recognize that its time to slow down. I think gardening for 1 solid year could make a world of difference for you. Dont apply for any new credit thats for sure. I did want to echo something previously mentioned tho..You should let a small balance report on 1 credit card bc i believe you may be getting a penalty for being at all zero.
Other than that, i would slash OPEN SKY, CREDIT ONE and atleast a couple cap one cards for sure.
