Hi I am in about the same position as you are the mid to high 500's One positive line I have gotten recently (don't laugh)..lol is from http://www.crossingpointe.com They are a womans clothing online store. I chose crossingpointe credit on check out . I ordered twice from them in May They pullled a hard inqury on equifax (my score is apoprox 565) both times which kinda bothered me but now on experian crossingpointe is showing as two new positive lines of credit. so I am not complaining now hehehehe. Check it out good luck !! BTW Crossing pointe is a division on Blair clothing but Blair pulled transunion and denied me credit with them I am in southern California Jamie