ctRob, thanx alot. I have been reading a bit since posting, and like you said there is alot of great info. on here. I did learn today about what you were saying- To open a few more accounts and spread around the owed debt, and keep all balances low.

My thinking has ALWAYS been, the less cards the better. I guess thats how Ive been raised.

Can my score actually raise just by opening new cards?

BTW my current score is 675, I worked hard to get it there over the past 2 years from 548. I have no lates since 5 years ago, and one paid collection that still shows up. Two medical collections too.

Im glad I found a forum with people who want to work as hard as me to get better scores.