I have been a part of the myfico forums since January. I have followed instructions regarding pay for deletes and the HIPPA process. Since becoming a member my scores have increased by 15 points. Today I got my first credit card approval that was not secured. I'm really excited and wanted to share. Thank you for all the help. I can finally see the rewards of credit gardening and playing the game as it should be played i.e. Utilization etc. Thanks for the direction.