Now, the question. I have obtained a secured card and I am (obviously!) making the payments on time. But I have this sneaking suspicion that one little ol' credit card is not going to impress anyone, when it's sitting in the middle of a field of "Included in Bankruptcy"-'s on my credit report. How many GOOD credit references does it take before creditors recognize you've seen the error of your ways? (I mean, I know it will take some time--but is there more consideration given to people with SEVERAL good references, as opposed to just one or two?) Thanks for your help... --R.