I have below listed the secret to getting A+ credit in 15 months. This I have put together from both my own experiance, and also some of your feedback, and postings. Month 1. SECURED CARD $300.00 or More. (any bank as long as it reports) Month 3. SUNOCO GAS CARD ($250.00 Limit) (Imediately request C.B. to input acct in your report manualy!). Month 5. ARIA VISA ($500.00 to $1,000.00) Month 6. Target, Mervyn's, or other Dept. Store Card. Month 7. Next Card ($700.00 to $1,500.00) Month 9. Citibank ($1,000.00 to $2,000.00) Month 11. DISCOVER ($5,000.00 to $15,000.00) Month 13. MBNA PLATINUM ($5,000.00) Month 15. AMEX BLUE ($5,000.00 to $15,000.00) NOTE: Amex will usually match any of your high credit if you are not given the amount to begin with if you phone them. This advice is given assuming the applicant has no derogitory items on his/her report. Credit limits expected are based on an applicant earning $50,000.00 per yr, or more.