Thanks to the help from many wonderful people here on the forum I have taken my EQ and TU fico scores from the mid 600's last year and they are now sitting in the 780's! I just wanted to thank everyone who contributes here for all their help. I now know how to manage my credit responsibly. Damn it feels good to have a score I can be proud of and do something with! Before I know I should be able to get some decent limits and not have to worry about qualifying any longer. Thanks again to this great community!!!