Ok, I have been lurking/stalking for sometime now. I joined myfico, got my score and started to dispute the incorrect items. TU and EQ are wonderful to deal with, EXPERIAN (the devil), not so much. They won't release my credit report without documentation...blah blah so I must play their game. Anyway, over the past month I was able to get 2 of the 3 collections deleted off TU & EQ. Honestly, I didn't even know what my score meant until I started reading the forums and educating myself. Sooo long story short, yesterday I applied for Capitol One and got denied; they offered me a secured card (boo!), but today I applied for a USAA visa and was approved for 3K and within the electronic disclosures it gave me the score it pulled from Equifax which was 681 (only 4 points off from myfico). I literally almost passed out in my office. 
I just want to thank everybody for all the information provided. The system works if you work the system.
I do have one question...should I go ahead and get the secured cap one or just wait and apply elsewhere. Currently all I have is a car loan and a personal loan so I need to diversify with credit cards to boost my score. What to do????
That's great! Congratulations
