My wife signed me up for CK during tax season to do our taxes through them. A couple months later I get an email about a change to my score. A little back story for me, years ago I got layed off, house was foreclosed etc . . . cue tiny violin. Short story long, I avoided credit, payed cash for everything from that point on. So what do I do when I get that email? I check it, and I think to myself, what now? I log in for the first time and see that my score is 618 across the board. My first thought is, that?s not too bad. And that?s when I made it a goal to improve my score. CK said I had a fair chance at this card, so I said why not. At that time, May ?17, I was approved instantly for $300. Woot, it?s a start down a long road. I did ask for a CLI after two statements and was granted a $400 CL. My payment due date is the 6th of the month and Capital One posts to the bureaus on the 8/9th of the month for me. I pay off the card in full by my due date and don?t use the card for a few days after. This shows up as 0% credit utilization when I update on CK afterwards. As of now, I?m at a 695TU, 688Ex, 688Fico and I?ve been approved for an Amex BCP (score increases not updated on CK yet) and I?ve just had this card increased to $750. I was at 588 when my wife signed me up for CK in March and now I stand 100+ points above that, here in October. You can do it too.?