I was disappointed! I still had a score in the low 500's. My score was in this range back in 05/00 when I bought a new car and had no positives on my CR. I had a lots of charge-offs/collections and no inquiries. Since then I have 4 sub-prime credit cards reporting their low limits, a car loan, and a computer loan. All accounts are 4 to 6 months old except computer loan which is new. I also now have many inquiries. Why didn't my score change? The salesman said that my accounts are too new and need to be at least 12 months old before they have impact. Why does everyone say this? Where is this in writing? How does longevity effect credit scoring? Also the salesman adviced me not to attempt to negotiate a settelement on my car repo!! I told him I wanted to pay in exchange for deletion. He said creditor probably won't agree. I told him I was afraid of judgement and he said he hasn't seen it happen (he looks at a lot reports daily!) What do you think? My report also stated that I have 20% availability. Anyone heard of that term? Finally, should I be overly concerned that this salesman has my CR?. He did make me sign a credit app and copied my driver's license (he pretended like I was trying to buy a car). He said he couln't give me the report.