A little history here: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuild-Guidance-Please/td-p/6493705
My question is, my file is thin and I have a recent HP from Cap1 QS card that I was approved for. My question is, should I open an addition revovler with NFCU right away (I just opened a savings with them today) while the HP window is still open? I think my chances are high that I would get approved, but I'm a little apprehensive on the CL they may offer and if it may even be worth it. My current accounts are with CAP1 Plat @ 1600 CL. And CAP1 QS starting limit $500 on its way.
Additionally, From the link above, both baddies have been paid in full, but haven't posted to the CRB's yet. Should I wait for these to post as paid first?
Starting Score: 547EX
Definitely wait for the update. Its going to look better for you.
I'm not sure what you mean by "the HP window is open," but yes, I'd wait for the update to your reports from those baddies being paid. You may be pleasantly surprised and see some nice score gains. Even if you don't, paid COs/collections always look better than unpaid.
Also, Navy is most definitely worth the HP! They will grow with you as long as you treat them right. 
Even if the starting limit is on the lower side, they definitely have the potential for growth. Just look around the forum for DPs of people growing their small $1k/$2k SLs to $25k SLs in just a few years!
@OmarGB9 wrote:I'm not sure what you mean by "the HP window is open," but yes, I'd wait for the update to your reports from those baddies being paid. You may be pleasantly surprised and see some nice score gains. Even if you don't, paid COs/collections always look better than unpaid.
Also, Navy is most definitely worth the HP! They will grow with you as long as you treat them right.
Hi Omar, thanks for the reply. I'm of the understanding that multiple pulls within a certain window doesn't effect your score. That was my thought about the HP window. But, I certainly hope you're right about those score increases. I've worked really hard over the course of the last 2 years and it just doesn't seem like I'm making the leaps and bounds that many others are here with similar situations.
The multiple HP thing is when your looking to purchase a home or car in most cases. The lenders will look around and find the best deal for you and them for the kick back. If they occur in a 30 day window for the same thing (Mortgage or auto) they count as one. But will list as many. You'll see a score bump once reported.
@moto4man wrote:
@OmarGB9 wrote:I'm not sure what you mean by "the HP window is open," but yes, I'd wait for the update to your reports from those baddies being paid. You may be pleasantly surprised and see some nice score gains. Even if you don't, paid COs/collections always look better than unpaid.
Also, Navy is most definitely worth the HP! They will grow with you as long as you treat them right.
Hi Omar, thanks for the reply. I'm of the understanding that multiple pulls within a certain window doesn't effect your score. That was my thought about the HP window. But, I certainly hope you're right about those score increases. I've worked really hard over the course of the last 2 years and it just doesn't seem like I'm making the leaps and bounds that many others are here with similar situations.
As @FireMedic1 mentioned above, the multiple HPs only counting as one thing only applies to auto loan HPs or mortgage loan HPs done within 30 days of each other. All the individual HPs still show up, but they only count as 1 pull for FICO-scoring purposes. That said, some lenders don't see it that way when evaluating your report. They just see multiple HPs and automatically ding you for it. Anyway, HPs for credit card apps or personal loans aren't grouped like that.
One thing we say around here is to never compare yourself and your file to that of others. Every profile is different. So just because you haven't seen those "leaps and bounds," it doesn't mean you won't eventually.