My scores earlier this year (04/06) were equifax 601 experian 564 tu 641 They are now equifax 649 (13 baddies) experian 667 (or 702 from freecreditreport.com) (2 baddies) tu 619 ? (8 baddies) These scores are from citi monitoring.... I really want to get cc to help with scores but I am so afraid of getting turned down.. especially if I am at the store and try one of the instant approval things.... any advise... Thanks Denise