If anyone knows offhand, please use the FICOs in my sig and let me know. I'm thinking about a better quality card than my current ones or perhaps a dept store/gas card IF that diversity helps my score. According to the FICO pamphplet I posted online here, diversity of cards counts for 10% of your score. My current "portfolio" is a recent Cap1 unsecured $500 CL, DMB Titanium $10,000 limit, Aspire gold $5250 limit. I recently got a $9.5k auto loan from Chase at 12% ($2500 down) I have a Ch7 BK filed 8/01, discharged 2/02. Never any lates, but two of my BKs report as deliinquent, working (and working and working) on getting that fixed. Current utilization is 70%, goal is 50% in 3 months and 30% by the end of the year. My TU score is probably higher than my sig says because a bunch of inquiries just fell off and my FAKO jumped 15 points - thank you b-word!