Absolutely agree. Vacate and clean the report. The cleaner your reports, the more likely you can apply anywhere with confidence. Personally, I have no use for the "big boy banks" because the credit unions fulfill all my needs with a human touch. While your cleaning, start credit union shopping and don't be scared to try. Step out and take some risks once you get your report looking good. YOU are ultimately in control. Best of luck to you! 
