As for Providian and there no grace period, 23.99 interest, no limit increase in a year sorry selves... BUH BYE!!!!!!! Yay! I am so happy I cant even express it. I hope they didnt make a mistake! Zippity doo dah, zippity ay!!!! Thanks to all who have given me advice and help to get me here. I am not sure who they pulled, but I think it must have been Trans Union, according to the MCS site. IF so, I have a paid tax lien (rel'd in 1996, ) a charge off from GMAC from 1995, and an unpaid collections account from Collectech, (Verizon) so my report is far from perfect. I have no idea what my score is on that, but my Equifax jumps around from 610-630.