Hey Guys,Thank you both for your quick responses. I love this forum!! Anyway, it took me a minute to learn the abbreviations, so sorry it took so long to reply. Anyway, how do I find out the SOL for my state. And where do I get GW letters or do I just make them up myself. Geez, who would have thought that cleaning up your credit would be so tricky??? I thought that if I paid it would go away but not so much. I'm just afraid that I may have hurt my credit or woke up some dead dogs?! I am definately going to try the advice you both gave me, hopefully the PTD will work or the GW letter, either way, I just want my score to go up! Oh and I do I calculate my utilization, Im still stuck with that one?? Thanks in advance My score will be 750 by the end of the year!!!