* New auto loan * Citiban Classic Visa (since 92) * Gold Am/Ex (boyfriend added me on) * Secured Optima (but who cares....) * Providian Gold (since 6/00) * Capital One Secured (since 9/00) * Washington Mutual Secured (since 9/00) * Macy's (since 92) * Bloomingdale's (since 97) I feel that this is a good start in a positive direction to re-establish my credit. I am still not sure about the Washington Mutual card through the Associates of Delaware. Does anyone know about them as far as how they report, credit increases, turning to unsecured status, etc.??? I applied for that card on a whim with out investigating and I tried to cancel but it was too late, the card was in the mail. I've heard decent stuff about Capital One so I'll try them out. I've been utilizing my Providian card to the MAX and I still haven't seen an increase yet. Probably by the end of the year. All these account are in excellent standing. Well, I sure have learned my lesson and once I get back on track, I'm staying there. This whole having bad credit thing has really straightened me out completely! I don't pay ANYTHING late anymore......period! This message board has really helped me out a great deal!