Thank you, Marty. I occasionally use my other cards - I have quite a few, but am never late on any of them, nor do I go over 30% usage on any of them, except Home Depot. Here's what I have: Chase MC - $1000 limit; balance $0 (last used July 2007) Mobil - $200 limit; balance $0 (this doesn't even show up on my reports anymore) Merrick Bank Visa - $2100 limit; balance $4 each month, PIF each month Kay Jewelers - $2400 limit; never used Home Depot - $2800 limit; $980 (0% interest, no payments due until January) Wal-Mart - $480 limit; balance $0 (haven't used since May 2007) Capital One Visa - $500 limit; balance $0 (haven't used since June 2007) Capital One Visa - $2500 limit; balance $500 (first time used since June 2007; PIF this wk) Orchard Bank Visa - $1100 limit; balance $0 (haven't used since July 2007) Citibank MC - $7800 limit; balance $1300 (work travel expenses, awaiting reimbursement) Chase Professional MC $10,000 limit; balance $22 (new card) Target Visa - $2000 limit; balance $195 (PIF next week) I have not had a single late payment in more than 2 years, all these accounts are and have been in good standing. I also make my car and student loan payments on time every month.

Message Edited by teamfico on 12-05-2007 09:32 AM

When I first found this forum about a month ago my credit report had a lot to be desired. I had 5 collection accounts, two of which were duplicates and no revolving credit accounts. After days, and days, and days of reading various posts covering almost every imaginable topic concerning credit, I started to take some steps toward repairing my credit. Since then I have had three collections deleted from all three of my CR's just by disputing them with the CRA's. My FAKO's have jumped about 40 points on EX and EQ and about 15 for TU, when my student loan reports in a few days for the sixth month I will be able to get an actual FICO score, I must say I am anxious to see what that turns out to be. After getting some of those collections off I went ahead and applied for an Orchard Gold card, for once I was approved for a non secure CC, it should be here in about a week or so and I have to say that I am pretty excited for that as well. I only have one unpaid collection left, which I am trying to PFD, and one other PIF baddie (the most recent) that I am sendng a GW letter for. If it were not for the vast amount of knowledge and advice which people so generously share on this site I would not have had the first clue of how to get to where I am now. Thanks to everyone who contributes to this site.

Hey, all - I spent some time on the phone with my creditors asking for CLIs and here is what happened:

CapOne - raised my CL from $500 to $4500 (they had sent an email asking if I still had their card, since I had not used it)
Home Depot - raised my CL from $2400 to $3300
WalMart - raised my CL from $360 to $480

So, I'll see if that helps my score. I just pulled a new FICO for Experian, and my score is 682 (very close to my FAKO one), my EQ is 665 (keeps going between 663 and 669, teasing me!!!). I have not pulled a TU, since I'm trying to get some inaccuracies removed, but my FAKO has it in the 640 - 660 range.

I just sent a GW letter to Mervyns to ask that they remove some lates from 2005, when I kept trying to make online payments and they obviously never went through. Will let you know what I hear...

I am new here and this topic seems to be the closest one relating to my experience.I have never had any credit problems since 1991 and have worked on adding consumer revolving cards back to my profile over the last ten months.During that time I saw an average of 50 point increase in each bureau and gathered $150,000 in new credit. I went a little overboard in applying but it will be great for utilization.