Auto loan Opened 10/99 (one 30 day late, one 60 day oops) Cap1 Opened 3/00 $200 limit (one 30 day late 8/00 oops!) 1st Premier Opened 1/01 $400 limit never late First National Opened 1/01 $250 limit never late Orchard Opened 2/01 $300 limit never late Target Opened 3/01 $200 limit never late (obviously) Texaco Opened 5/00 $300 limit never late Currently, Texaco does not report but I've heard they will if you request it. I plan to request it since it's almost a year old and the extra $300 available can boost my scores I pay the cards off monthly. Cap1 told me to call back in a couple of months for an increase. I know those lates on the car payment and cap1 are hurting me, but maybe I can convince them to delete the lates. I will try. At least I am confident it won't happen again now that I am dedicated to cleaning my credit. It shouldn't have happened in the first place - I was just lazy about sending payments and I just had the attitude "I don't care since my credit sucks anyway." Until I found this board and others and learned I CAN repair it.