hi, fellow friends, its like im the baby of this big myfico family and im proud of that because i have found the help i so much need. thanks to everyone who have taken time of their lives to help us in our future. ok, back to the subjecy... i fixing my credit and im seeing results very fast and believe me i hooked, committed and i wont stop untill i become a member of the 700club. beside paying, distuting and deleting i also would like to know about positive accounts on m CR. my girldfriends credit is excellent. we are leaseing a car and it shows on my credir as well, evethought she is the buyer. does this helps me? we also called chase to add me to her account as a joint not just a card user, whould that help? and lastly im geting a BOA secure credit card. once again, sorry for the long email and thanks for your help........ my cyber family