Aquired before credit problems: Macy's Bloomingdales Citibank Clasic Visa First USA Platinum (closed by consumer but making payments still) Aquired after credit problems to build: Providian Visa Gold ($1k) Am/Ex Gold (AU) Am/Ex Secured Optima ($200 but not reporting) Chevron Credit Builder($300) Chase Classic Secured ($300 just sent off app. and will send in more $ gradually to bump up to $5k). Fireside Auto Loan ($21k) Cards to dump: Washington Mutual Secured ($300 will apply deposit to Chase) All accounts are in perfect standing. So what do you guys think? Anyone have any other suggestions?