Hello to everyone! I just accomplished a small goal today. I was just approved for a small loan to re-establish my credit; UNSECURED!! It is from a Credit union, only $500.00 6 mos to pay off. It feels great to be approved with-out any security or co-signer. just myself. I just wanted to thank everyone here for there expert and experienced advice. Thanks to you all, I know there is some hope. It's a hard road to travel up, but worth it once you get to where you going. Thanks everyone.