Hey guys, First time poster here, so hopefully my questions are specific enough. I have a lot to talk about. In a nutshell, I decided to check my CreditKarma score today, and had an unsurprisingly low 525 (yikes). I'm going to be looking for a new rental home in the next 6 months or so, so I'll want my credit to look as clean as possible (I have no problem paying old debts; they don't total much). I lost my job in 2011 (Texas - school layoffs) and moved up Michigan immediately after. So, here's goes: 1. In 2010 I opened a credit card account with Capital One. It had a $500 limit