I'm 21, have a small business and would like a bit of advice. To give you a background: I checked my credit score on Eloan and as of Sept 30, my score is 714. I only have revolving accounts on my credit report. ==== Personal Accounts ==== National City Platinum Visa unsecured opened April 2002 current limit: $3,500 (increase on Sept 2003) started with $500 limit, then $1,000, then $2,000, then $1,500. balance: $1,200 Capital One Secured Visa secured Opened June 2002 current limit: $1,100 (increase on April 2003) started with $300 secured then increased to $1.1K unsecured. balance: $0 National City CashBuilder Visa unsecured Opened December 2002 current limit: $1,000 balance: $0 Dell Financial Services (Preferred Account) for laptop unsecured Opened February 2003 current limit: $1,500 balance: $0 (paid in full on August '03) and most recently: Capital One Platinum Mastercard unsecured Opened August 2003 current limit: $300 balance: $29 * they sent me this pre-approved offer since I have a 'good' relationship with them but I was insulted cause they only gave me a $300 credit line. === Business === American Express Blue for Business unsecured Opened September 2003 current limit: $3,000 * they approved me around August 29. My credit score on August 31 was 687. === INQUIRIES (ALL HARD) === equifax (7) 09-10-03 national city 07-11-03 capital one 06-06-03 national city 05-15-03 capital one 05-07-03 national city 03-24-03 national city 02-06-03 national city trans union (5) 08-29-03 american express 08-20-03 capital one 05-29-03 amazon/citibank 05-15-03 capital one 03-24-03 national city experian (8) 08-20-03 capital one 07-11-03 capital one 06-26-03 people first 05-15-03 capital one 04-28-03 discover financial services 02-15-03 abercrombie fitch 02-09-03 citifinancial 02-06-03 CIT online Bank/dell financial services That said, I've had my first account 1 year and 5 months ago. I'm thinking of closing down the capital one accounts cause they're really really conservative in their credit limits. Thots? I wanna apply for a prime card with the big guys (or another Amex, but personal)... but when is the best time to do that? Also I'm interested in buying a car.. is it true that people have to have a credit history of 2 years or more? I pay my National City Platinum Visa in full each month. And then my American Express blue won't be reported to my personal file (( Thanks everyone! B.Y.