I just found this website and I am so glad I did! In 1999, I ordererd my credit reports. No surprises, my credit was in horrible shape. I was in college during a time when all you had to do is fill out a credit application and mail your validated ID and 2-3 weeks later you would receive the card. Well, I wasn't prepared to handle the credit card debt. Therefore; all of my reports were R9's and charge offs. I had no idea what to do, so I searched the internet and learned about credit repair. I negotiated some of the debts payment for removal. Some, I disputed. I started because I needed a car. The dealer ran my credit and I had a beacon score of 472. I financed the car at 21% and continued to work on my credit. Six months later I refinanced my car through my credit union at 8%. My score increasted to 625. I have all the sub prime credit cards. Orchard, ACE Visa now Household, and a Fedelity Mastercard wich is also household, and FCNB. Since Household took over 2 of my cards, I have nothing but problems. Can you say stingy with increases?! Well I heard alot about Providian, I called and got a gold car with a 1K limit, totally unexpected! Also, I do have the 23.99% apr but I do have the 25 day grace period with ulimited online access and payment. So guess what? Household will be paid down (not off) and I won't use it anymore. I can't close it because the card is 4 years old and I don't want to hurt my credit score. Household Bank (Renisance Bank Card) seems to treat UNCB customers with little respect, and they turned me down for an increase. They didn't cite reasons. I decided to become a Providian customer. I spoke with them and they told me about their products and how to use them wisely and not go over the limit. Increases are almost gauranteed if its used wisely. If you are just starting your journey on credit repair, it works. There will be a lot of frustration, highs and lows, and joy when you receive the results and most of the negative items are deleted. I would encourage anyone to study the repair sites, make it your hobby. I think I read every site several times asked questions ect. One thing I can say about this board is (this board) seems to be the most friendly (not a lot of fights ect.) like the others I have read. Thanks you guyz and gals!