I am 27 months post BK discharge. Therefore my credit plans are different than someone with excellent credit. This year, 2001, I will make 114 on-time credit account payments. I could have made 120 payment but I am deliberately letting my Cap One, Macy's and Robinsons accounts rest for respectively 2 months each during the year. In 2002, there is no foreseeable incentive to let any of my existing 11 accounts rest during the year. Therefore, 132 (12x11) on-time payments will be made. In 2003, I will be house hunting. So I may trim my credit accounts a little to fit the FICO score model that maximizes points. I plan to make relatively less credit purchases and my auto loan will be paid off. In January I joined 2 additional credit unions. I now belong to 5. I will start my mortgage shopping in 2003 with the C/U's. I hope this did not bore anyone to death. I just think it is worthwhile to have a plan.