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Irvin wrote:The only open credit card is have is Capital One with a "High Balance/Credit Limit" of $240. This and my student loan are the only factors being reported on my credit reports. Everything else i have on there...are bad items that i paid off in settlements and i guess its just a matter of time before they play a lesser role in my credit score.My credit scores are:EX 572TU 572EQ 609I have a very short history (5 yrs or so) I screwed up (7 accounts in total) in college years and ended up settlling bad debt in 2006..im almost 25 and im trying to buy a house before im 28.I have been getting offers from Washington Mutual for credit cards...I need to start building my credit again..Should i try to sign one of these offers and see what credit line they can give me even if i have to pay annual fee?My total "available credit" on the TrueCredit is $240.00...I wanna get that up so that my "debt/available credit" ratio can be low as long as i keep my balanced very small. CapOne wont give me a CLI...I would consider a secured credit card from BOA but i dont have immediate funds to put away like that until another few months.