Three collections (one is a duplicate): 1- hospital collection- unpaid (this is the one that is duplicated right on the next line...hello! Do you think that the CRA's can figure that out?) 2- hospital collection- paid Credit- Citibank AAdvantage Gold- AU- $6000 limit (R1)2 months old First National Bank- $500 limit (R1) 7 months old FCNB- closed (R1)- but says 1 time 90 days late- last reported 8/97 First National Bank- Acct closed at customer's request (R1) Macy's West- paid account/zero balance (R)- no number next to it. Providian- $800 limit- (R1) 4 months old Transouth Financial- $21,545 amount of loan (I0) one month old Transouth Financial- $11688 amount of loan (I3)- paid account/zero balance- BUT one time 60 days late. First North American Nat'l Bank- (this is the worst one) Charged off account (R9)- ick!- Account transferred or sold (but all those collections are off my report). I would really like for someone to evaluate or give some opinions about what you think. Oh- I was also just approved for a Target card ($200) and a Capital One visa ($200- yippee- that's a whopper!). Thanks!!!