I read your most recent post. I only wish I could write in such a compelling manner. I have been reading this board for a few weeks and have learned a lot about rebuilding my credit from you and everyone else. I saw your ideal credit profile (4 MC/Visa, 1 store and 1 installment loan) How did you start? I have two new collection accounts on my reports. Did you go the secured route and try the collateral loan method? Which cards did you start with and which are the ideal cards for each scenario. I heard Target is easy to get....I want a secured that reports to all 3 as unsecured and reports limits. I have heard the complaints about Citibank not reporting limits and potentially negating the effects of having the card.