I now have a 4-0 record with applications since my last derogs were removed from the last and final CRA (Equifax) since September. I have been able to get the AMEX account, a electronic retail store account, loan, and new bank account since September. This has made my life a whole lot easier. The only thing is that I think all 4 creditors pulled EQ (I ordered a free copy today) which has most likely damaged my FICO score. I am putting a halt to all applications and inquiries at least until the spring of 2002 when my oldest tradeline ages 2 years so I can dump the subprime accounts I have and move on to prime. Last I checked my scores were TU - 707 EX - 705 EQ- 702 (which was back in Sept. before I made the 4 inquiries which problaby has caused my FICO to skydive under 700) On another note, I am on the verge of dumping Capital One who has me with the smallest limit and highest APR out of all my accounts.