Welcome aboard!
Make sure you know that when the scores count for anything... only FICOs matter not FAKOs that you might get from other sites.
For open accounts try calling and asking for GW before you write a letter. Sometimes it's as easy as that, especially with lesser lates. The credit union might be easy to do this with.
If you have any closed accounts with balances, once you've paid them in full you've lost most leverage with GW. Try for GW before that point, and consider a PFD once the balance is manageable if deletion of that TL would benefit more than keeping it on with derogs. Oddly enough sometimes a bad account is helping you more than hindering you.
Keep the car loan pristine... that is one of the harder things to GW.
Once you have paid the cc's off keep them all reporting by using them 2-4x a year. Try to only keep any regular balances on 2 and aim to keep under 10% UTI reporting.
Any cards you do have now you can call up and as them if they can consider you for a CLI without a hard pull. If so, grab it.
EQ 787 EX 781 TU 737 11/17/07
*** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***