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UPDATE:::::

So, here's an update as to what I has happened in the month of July. Mind you I'm still waiting for my July credit report to see what the outcome is.

I applied for a new CC account...

Thank you to everyone for the fantastic advice!

As far as the loans, they are two separate student loans through Salie Mae.

Currently I bank with PNC(before them it was National City whom PNC...

Here's a little about my credit standing according to Experian and some info about my history

Let's look at the positive side of things first. My current score is 721, not horrible.

I have...