I am really ready to get started here....reading all of your horror and success stories is quite inspiring. CR's should get here shortly and I will know exactly where I stand. But I am also timid about applying for credit. I haven't done that in years! I hate this feeling of powerlessness. Your in search of better credit dnsatt
If you haven't applied for anything in years...you WON'T have a DENIAL reason "EXCESSIVE" inquires... WELCOME TO THE BOARD...
Don't be afraid to start small. Small subprime bank cards (even secured cards) and small retail cards can help you build the positive history you need.