I had a charge off that is about 7 yrs old and has been dropped from my credit report. (experian Only) No other Credit Reporting Bureau has it listed. I have tried inquiring and applying for credit cards, yes, bad mistake - leaves inquiries on my reports- NOW I know. It's only from sites like Eye on Credit and this site that I have learned that. But one of the major problems I have encountered with applying is due to my residency being on GUAM, a US territory, a US address, and we are all US citizens, here, we have a few major banks here, but none will accept me, even with applying for a secured card- I hate this because it feels I have some form of sickness, if not one the other and so on, and so on. Many of the best institutions like Capitol One, JUNUM Visa, Sterling do have GUAM under their Market Area. If any one at all has some advise regarding my state could you please drop me a line? I would be so grateful. Thank you.