Hey dog - Question for ya... with those scores (min are mid 6), how can I get some decent cards? I went online to do the Hawaiian BofA (recommended by this forum) and they turned me down - offfered the secured card instead. I'm waiting for some letters to be received and acted upon as some ollllld stuff is still on my report paid, but with many lates, so the overall picture says I'm good with everything except payment history. But my current history for the last 3 years is perfect. I can't wait for some of this old stuff to go away!!! It's paid, but it just won't go away!!! Good job on your end!