no matter how many good lines you have, all it takes is one collection, or one charge off, and your credit is still considered bad by "prime" lenders. okay maybe not citibank AA, but most others. You can add a million lines to your file, but the black mark that you got, will HAUNT you, until it is gone. This is absolutely not the way to get your credit file FICO score better. It will remain tainted as long as that item is still there. Spend your money on junum or whoever if you think you need to throw money somewhere, they actually may help by a fluke or something. (im not endorsing junum). If i'm wrong about this, please inform me. I'm working the same story as many others here.