I mailed a validation letter to a CA about a month ago regarding a bill they say I owe but appears nowhere on my credit report and is from at the very latest 1993. They haven't answered yet and it's just about 30 days from the date they signed for it. There is a notation on both TU and Experian regarding a car that was in my name but belonged to my ex-husband. TU says it's delinquent but closed with a zero balance and Experian says: Status: Paid/Past Due 30 days. This car was paid off in '95 and signed over to my ex the day the title arrived in the mail. I would like to re-establish credit and wonder if I should apply for a cc now, or wait until December when the Gulf thing falls off the report. I'm sure I should wait patiently but it's hard not to at least try for a Macy's card or something. My Equifax report will be totally blank come December when GS falls as will my TU report. Experian has the GS listed as Transferred and also lists three old credit cards that I had in the '80s as Inactive/Never Late, so come December there will still be cards listed but all dormant. Thanks for any suggestions.