I finally took the plunge yesterday and got all 3 reports, paid for TU and EQ, joined CE for my EXP. I have about 6 negs, they are all small and 2-4 years old, I think I can handle these. I dont have a lot of inq, a lot less that I thought actually. Here's what I have going for me: 2 secured credit cards, both teeny tiny cls, both are near limit, but will be paid off completely within the next month, no lates on either of these. The downside is they are relatively new, less than 8 months old. Car loan, not reporting on EQ, that sucks~ one month payment history on the other 2. (just bought the car) So here's my question, with scores in the 530's, besides getting the negs removed, what is the best thing for me to do to get my score up? Would it help me to get another secured card or two? I hesitate to do this because of the fees involved, but I will if it will help me. I am fairly confident that I can get most if not all of my negs removed, one is out of business, etc. I even have a neg from Long John Silvers for $30, I have fast food on my credit report! LOL I have learned enuogh here that I know how to tackle them, based on if it is OC, CA, etc. but I really do need some more positive. Any ideas? TIA for any advie you might have.