In a sense I think his credit score may be worsening a little because he paid off his two car loans and very recently, his mortgage. The derogs are from maybe a year ago. Since then he's been paying off a small but unsecured VISA from Providian. This is helping somewhat. How do we maximize score growth from the front end? All those fine MS Money folks will say is "pay your bills on time," LOL. Of course it's more complicated than that! We're getting rid of reportable bills right and left, so ... we need to build thoughtfully!