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@Anonymous wrote:I have to confess, I am hooked to my Fico score and get excited whenever I get an alert from Myfico, I was at Costco and got an alert on my cell phone and nearly got in an car accident trying to get home to check my score.But I need some advice. Here are my scores as of February 1, 2008: TU-641, EQ-631, EX- 668. I do not have a mortgage, nor a car loan, and am currently the authorxed user on my wifes Chase card that has a $108 balance and a $3500 credit limit. I have two paid off collections from 2006 and 2007, and 2 closed Capital One accounts from 2005 with several late payemnts. I appllied and recieved a Macys card( i read that a store credit card would be good to have) with $2000 limit, and a Wamu card with a $2500 limit. Both cards have a 0 balance. I also was added as an authorized user on my wifes American Express Blue card with a $16,000 limit. Did I get too much new credit too quick? How long before my scores will hit 700? Any suggestions, I would like to buy a home in the next year, will that be possible?Thank you in advance for any comments and suggestions that you might give me