OP your credit score must be 320 right now if the lawyers are involved. Plus you pulled your credit again which brings it down to 300. At this point you can't get nuffin worth a damn unless you start showing credit worthiness. Snip any and every other card you have. Use only that Kohl's card and buy stuff and pay it off the same day. Also open up a secured card with $250 and use it for gas purchases ONLY and pay it right back. DON'T PULL YOUR CREDIT ANYMORE. Imma give you 6 months to get your credit together and report back to us.
The secured cards help your score alot. Don't OD just get 1 secure card. Your credit will be shinning like new penny loafers. They gonna be begging you to sign up to one of their cards.
Girl that $46 bucks could've gone to credit monitoring with Equifax. Its only $9.99 a month. You could've gotten that jewelry for free through reward points for using your card. THINK WOMAN.
FYI-Capital one is the debil. They don't give a damn what your circumstances are. If you're 1 day late they snitching to the credit bureau.
Imma let you slide today-"For they know not what they do". I got my eye on you!!! Coming in here with that foolishness..
Let me see that daggone Jewelry.