Thank you all for the assistance you have provided me... If it wasn't for this forum I would have never got serious about fixing my credit. I have a long way to go but it's nice to see scores increasing and baddies getting removed. It actually felt good to pay some of the old debts... I have 3 baddies to work on and I'm officially starting my gardening phase. I have more than enough tradelines at this point and I would like my scores to be higher so I can finally get Amex w/ travel rewards, Chase, and Citi.