Hey folks. Just an update, I've added quite a few new credit lines since this first post. I appreciate all the help and advice. My scores have shot up quite a bit the past couple weeks, overall utilization is way down, picked up some store cards and a couple unsecured credit cards and today got a 20k credit card from my local CU to transfer the balance off my one credit card I had when I started all this and a springleaf installment loan so I'll save a ton of interest. Never wouldn't done any of this without you guys help and advice. So again thanks. Hopefully I'll be able to help someone with some sound advice someday.