I need help locating a bank that will approve me with one my past credit history . I have one providian that I believe was written off and another credit card *merrick* that may be written off at the end of the year. I was 18 when I messed up my credit. But I have some good credit now.. I have 2 finance companies that I have been with for awhile that I am doing excellent with (no late payments) Fingerhut no later payments I am afraid to apply and hurt my credit score. Anyone out there with the same situation as me that has got approved ? If so help me or let me know .. I want to prove to these damn people that I am responsible now and won't mess it up again.. Thanks Robin