Hi, Fisherman, welcome to the forums! Brr, sounds like a cold time of year to fish in Colorado.
Please start by reading Credit Scoring 101. The link is posted up at the top of this forum. It's really hard to accomplish what you want to if you try to apply bits and pieces of info to a REALLY complex matter, so you need to learn enough to get the big picture.
After you read through it, please come back and post your exact challenges, and you should get plenty of responses.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007