Thank you for all that info, I checked my FICO score a couple years ago and it was just above 600 I believe (I wanna say 602) but that was 2 years ago before all these collections and such. I am going to write my Goodwill Letters this week and post them next week. Should I send the message to the companies or the collection companies that I paid?
Update on my CapOne Secure Card: They still haven’t taken my deposit out of my bank account, at least it isn’t showing on my side. I’m assuming everything is going to be a bit slower because of the holiday coming up. My limit on my COS is going to be about 230$ which I think is perfect for me as it will only be used for that phone bill – if I decide to get it – and a few bits and bobs that may come up on Amazon.