As of November *last year* 2 credit history had a repo, about 10 collection accounts, 1 judgement, bunch of 120+ late payments, and no active trade lines except for Neiman Marcus (heh). In November I settled Discover and First USA collection (About 5 grand), applied for Providian..got a classic one in December with $200 limit. Charged $200, paid in full, increased another $100 next month. Charged 300, paid in full, got an offer for $500 line ($99 bucks), mailed it in, got another $200 increase month after. Total=700$ increase in 6 months. Is this typical for Providian? Can I ask for more? Got secured Optima for $500, but they don't report to cb's. Oh well. Now the fun begins - applied for Cap1 classic on the web, got $200 instant credit...and got a card today for $2,000 TODAY! Is this normal? I am very surpised, because my credit reports do suck, however I have never been late and always paid in full in the past 6 months. What are my other options? How do I continue to improve my score/history? (Besides retaining Lexington?).... I really wanna buy a house in 11 months.... and I really like that credit...but now I will use it wisely Thanks!