Much appreciated, Walt_K!

Yes, I only had 1 CC (Cap1 secured).  Utilization is 0% but I am going to leave some itty-bitty balance to report (about 1-5%) so that Cap1 keep reports (I heard that Cap1 does not report if you just PIF every month..)

Do you also believe that I should garden about a year then apply for auto-loan?  I think so because having these two listed on my CR will help me... (responsible borrower with at least $2000 )

Any suggestions, words and wisdoms - much appreciated!