PS - addendum: in January prior to the pink-slip episode I requested a $500 CLI with Care Credit just to assist with UTIL. They stated it would be a SP, placed me on hold, them came back with a no. The next day I see they actually ran a HP -and- on all 3 CRAs! Yikes! Just thought I would add that.
Starting Score 4/15/2012:579 Ex-FAKO, 572 Eq-FAKO, 546 TU-FAKO (all were sub-500 in 2011) FICO as of 3/08/2013: 627 EQ, 647 TU FAKO as of 3/23/2013: 638 EX, 652 EQ, 648 TU Goal 1: 600 FICO achieved 10/2012!, Goal 2: 650 FICO Across the Board - Let's take Baby-Steps! **Amex Optima $1.3k, GE/CareCredit $1k, CapOne Secured $900, Barclaycard Rewards $500, CapOne Rewards $500, Citi/Shell $200** Seedling Garden Club Member - Last App: 03/18/2013 - Goal: No apps for One Year: 3/18/2014