Thanks haulingupthescore! This card is with Orchard, but a premium card, so I think it is actually HSBC. I did not know that having $0 balances could hurt. I will make sure there is a SMALL balance reporting. I have cleaned up everything else that I can on my report, so this is the only thing that I can do for about 6 months before anything drops off my report. I am reaching for the 660 mark, then the prize of 720!