Finally the pay off! While some negs are still on my report (charge off, collection, etc-but paid) I got my Experian down to only one negative item (my best report by far, at 637 FICO). I bought a new Suzuki SUV last week. Imagine my astonishment when they came back at me with 6.9%!! I was expencting maybe 10-12, but 6.9 floored me! After all that hard work and low interest rates to boot, I finally accomplished something! And after a year or so with good payments, I'll finally have that "high credit" item mortgage people like to see so much, not to mention almost ALL my bad crap falls off next year!! YA-HOOOOOO!!!!!!!!