I went to qspace and got my credit report. I know have a clearer understanding of the scoring process and the obstacles which prevent me from achieving my goal--platinum cards! I will have to minimize my spending on qvc and hsn, cdnow and all my other addictions. My score was 620 or something like that with 18 posative accounts and 16 inquries. I need a vehicle, so the only other inquiry I'll add to this account is auto financing. Other than that, I'm going to pay these low limit cards down to at least 50% of their value (that'll be hard since cap1, FNCC and Household are lower than low at $450-$600. Thank all of you for the information on qspace. I feel as though I will be able to make inteligent credit decisions now. Oh, and the accuracy was good as well. I know that each entry on that report is the truth because I have ordered credit reports in the past.