Just wanted to share some success and hope it helps others. All scores are FICO 8. FICO 8 Bankcard scores were about 10 points higher on average. FICO score 9 scores were 10-40 points higher.
Started rebuilding in Janurary. Scores were in the 590 range. Had CO's from CITI, BOA, Merrick, CAP1 and others. One collection with MIdland. Haven't had a CC since mid 2014.
Starting in Janurary and ending in June I had settled/PIF all of my past due debt.
My AAOA was around 10 years old before all of these application. I have positive house and car payment history for 5+ years.
Jan-Apr 2016 opened the following items:
CAP1 - $2000 - started at $500
Milestone - $300
FNBO - $400 secured
NFCU - $700 secured
NFCU CLOC - $5000
NFCU personal loan - $8500
All three scores were in the the 650 range at the time I applied for the following:
Discover-$3k - Exp +EQ - have always wanted a Discover
Amex -$1k - Exp - had a positive 1k card with them several years ago
USAA -$6k -EQ - offered me a secured card earlier in the year
NFCU -$22k - TU - though they were going to pull EQ. I have several positive trade lines with them including a house
PENFED-$10k - EQ - recon from deny to 5k to 10k
PENFED PLOC -denied - requested 10k, they wanted some history with them first which I feel is fair
Chase -denied- Exp -did not try to recon because I had to much success at this point
None of the apps came back right away besides I think Discover. My plan was to apply for some TU cards as well but no need now.
I am not so worried about my credit at the moment and am thinking about closing the secured cards to pay off some debt faster. Anyone have an opinoin why I shouldn't close the secured cards?