If the LOC is closed then the utilization on it is still maxed out. Getting it to 0 will help a lot. You did not mention, but having an installment loan will help with mix too which should be good for some additional points.
what baddies do you have from looking at your scores there must be something holding you back a good deal. Might want to work on trying to get rid of those.
How long after you applied for NCD did it show up on TU? I applied 1/25 just want to know a time frame I should be expecting it.
Ok thats good news to hear since I applied on 1/25. Hoping it hits some time this week. Good luck on your rebuilding journey!