Mortgage and Insurance

Well in the last 4-5 months I’ve raised my scores from lower-mid 500s to all around 630.  This is a big next few weeks… I’ll explain.

 

1. My Motion to Vacate judgment is pulled on October 20 at the court.  The plaintiff has until then to respond.  I’ve yet to get anything back yet, so fingers crossed that my old paid judgment from 2006 gets removed.
2. My Capital One CC statement is on October 21st.  They didn’t post last month, so the pattern shows they will definitely post this statement.  This is my ONLY revolving account and I’ve already absorbed the Inq, so I’m expecting a nice gain in points (10-20?+?)  Yes I know to report only a 1-9% balance come statement time.
3. I sent a GoodWill to the CEO of Capital One about an account I had from 2004-2006 (perfect payments in that time frame) then I lost my job and went 30,60,90,120 and CO.  I settled with them years ago.  After emailing the CEO a girl from Executive Office called me the next morning.  Very sweet girl and very positive.  She is currently investigating the account, asked further details of my hardship, current status, etc and said she will take care of things and get back to me soon.  She called me Friday morning and then again yesterday to “touch base” and let me know that she is still working the account

So those 3 things alone, if I batted 3 for 3, i would think, would raise my score considerably. Am i right?  I have no open collections, no major baddies other than those above and have a lot (14?) good reporting accounts, only 3 are open (2 student loans totalling only $2800 now, and 1 personal loan with only $900 balance remaining). No late payments for over a year.

 

But, should I ap for maybe a store card like a Best Buy card?  Or should I let the dust settle up there and THEN go for more cards?  Only reason I want to ap is for a better looking credit mix and improved score.