During the 8 month interval, I opened 2 credit card accounts with $3K limits on each. My Capital One account was upgraded to a gold card ($3K limit from $1K) and I opened and paid off early a $1K credit union secured loan. I was never late once during this time. Indeed no lates since 1998 when I BK'd. Every month I steadily charged all of my tradelines and paid them off. A summary One auto loan ($400+ a month) 3 visa accounts ( 4 with Providian as of 01/01. Robinsons - May Macys One secured $1K credit union loan Also, Junum removed my foreclosure and several BK related Credit card accounts. At this time,my Experian report has 4 negative BK related credit card accounts and 28 positive accounts going back 10 years on it. What happened?? You guys can tell the board your opinions but here is what I think happened. The FICO score killers are: 5 inquiries in the last year. And my Capital One account which had no balance on it in June 1999 with a maximum use of $1K; currently has $2,300 on it. Capital One is not reporting limits. The lesson learned is that I will have no more Experian inquiries for a year and pay off the Capital One account next month when I ask for a limit increase. In April, I will try to add the Capital One limits to the 3 CRA reports. I saw my FICO score at the credit union where I bank both times. As you can guess, I was turned down today for a limit increase on my visa card. Oh well.