I'm fairly new to posting, but I've been reading this board for a while. Here's my situation: --BK in 1996 2 Judgements in 1999(roommate turned out to be a con artist, is in prison, and stuck me with the rent)--both satisfied --1 collection from Bell Atlantic (lunatic roommate stole calling card)--paid --A few other pre-BK negative items due to fall off by 8/01. --Providian Visa since 1998--$4700 limit, never late --Capital One Visa since 6/00- recently received limit increase from $200 to $700--never late --Car loan with Credit Acceptance Corp (best I could do!)since 12/99--never late --Unnaturally large student loans--currently deferred--never late --FICO scores as of 3/00--620. Probably has changed since car loan was not being reported and credit report had numerous inaccuracies(now mostly corrected) In any event, I'm a full-time student now, and adverse to taking on additional debt, but I would like to establish some "meaningful" (i.e., not totally sub- prime) credit before I graduate in 2002. I'm considering applying for a secured AMEX Optima or a secured card through First Union or another well-known bank. Do you guys have any other suggestions on improving my creditworthiness? I don't want to be an executive and have to pull out my Providian Classic card during business functions, plus I would like to own a home some day!