Having higher CL's is nice for emergencies and padding if you want to buy something in the 0% new card arena and stay below 8.99% total util. Rebuilding should be strictly that. Rebuild, preactice AZEO and then it will blossom out in time. Now the not so good news. Did the company get rid of the 120's? If not. Your in for a rough time for the next 7 yrs. I'd do all you can to try and get those removed. Wash the CEO's car if thats what it takes. Though I havent seen a 120 day be deleted. Which really is 4 lates in a row 30,60,90 then 120. Only from being called to serve or stuck in ICU with a severe illness or injury. Just as bad as a BK but falls off 3 yrs earlier. Jump on the GW letter bandwagon or call and plead you case to try and get them remove. Even if they could go back to 30 day late that would be a tremendous help. Good Luck!
My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
I have used the GW method in the past and will continue to do so. I've also successfully pfd'd quite a few things back in 2016 so I'm well aware of that option as well. It's just a matter of persistence. I think it will all work out and I'm happy to be in a postion to continue the build journey. Cheers!