@Anonymous wrote:
Wow. That's really awesome. Congrats! I think my problem is simply that I have too few good accounts. But, everyone on here tells me I don't need to open more. So, I am taking that advice! Of course, I know ideally these good accounts would have been in the past anyway.
I think part of the reason my credit rebounded so fast when I started rebuilding only a few months ago, is because I kept a few accounts in good standing during my credit crisis. I let 8 accounts go into default/chargeoff/collections, but I made sure I kept 1 credit card, my car loans, and couple other accounts in good standing. So, when I finally paid/settled the negative accounts, my credit was immediately back in the mid-600's.
It's a lesson I learned the hard way. This is the second time I had ruined/rebuilt my credit in my life. The first time, I let ALL my accounts get ruined, and it subsequently took years to rebuild because I was basically starting from scratch (actually, WORSE than starting from scratch, as I had all negative and zero positives!). So the second time my credit started falling apart, I decided to keep a few accounts in good standing so that rebuilding later would be exponentially faster. And it worked 
Total Loan Balance: $43k / $65k
Total SL: $78k
+1. I may have gone thru 10 cards to end up with 8 cards. But they are cards that I use each month. Some heavier than others. I didnt get cards just to have more cards for bragging rights. Each one no matter how much I use them. They have a purpose. There isnt one thing I buy that I dont get something back no matter what it is. So it may look like alot. But thats the cards I needed to have the CCC's pay me to use their cards. I wont pay interest unless its an emergency. Good Luck on your rebuild.
@FireMedic1 - Really good going. I hope to one day have cards like that. Pretty much I have to deal with what I have for now because 1) I don't want more inquieries (I already have a ton from before I started work) and 2) I don't want to bring down my average age anymore than I have already. But, one of these days!! 
@Anonymous wrote:@FireMedic1 - Really good going. I hope to one day have cards like that. Pretty much I have to deal with what I have for now because 1) I don't want more inquieries (I already have a ton from before I started work) and 2) I don't want to bring down my average age anymore than I have already. But, one of these days!!
Those are both good reasons.
Don't worry, you'll get there soon enough.
I still have 2 cards I'm not really thrilled with - but I keep them anyways purely for score-improving reasons. I just have a couple autopay bills go on them every month to keep them active, but otherwise I don't use them anymore. There are other cards I'd love to replace them with, but at this point I can't/shouldn't get them yet for the same reasons as you. For the time being, I'm just trying to garden, and enjoying the satisfaction of watching my score incrementally improve every month. There will be plenty of time to get better cards later.