I started the trek 20 months ago but really got busy about 8 months ago and these are the Highlights: FICO EQ 550>734 (inflated) EXP 529>631 TU 551>664 Approved: GM $1k Corvette$2k My Bank $3K Circuit City $3K Amex Cash $2K Amex Delta $2K Amex Starwood $2k Amex Business Gold $debit Amex Business Blue $2k Ames Business Delta $2k Officemax Business $1k Audioking $5k Furniture Store $5.5K Chase Manhattan Car loan 7.75% not the best but I did get a great deal on a truck and rolled a lot of negative equity from a 19.8% old car loan. The biggest help is when my friend put me on as a joint account on his 12 year old-$25k limit-perfect payment history MBNA card. I had only $1500 available. Now I have over $30k in about a 4 month period. It really works. I don't often contribute to the forum but I would like to thank all of you for your ongoing help. This sight is truly a blessing. Once you have been through the credit blues, you cherish the good credit you have more than ever. -Greg