My experian is 37 positives with no negatives. My equifax has all positives except 1 charge off from Profidian which will delete off in Oct. My Trans Union is my worse report with 6 negatives which will all clear by Dec except for the last one which will removed in 12/02. I have the following cards and limits: I am seeking suggestions from others to improve. Mayors Jlrs 4,000 FCNB MC unsecured 750 limit Reeds Jlrs 2,750 Radio Shack 750 Dillards 500 Amer Airlines 1000 Next Card secured $760 Marshall fields 300 Central Bank $2500 GECC Best Buy 500 Target 500 Capital one $3,900 FCNB eddie bauer 850 Goodyear 500 Bankfirst $1,450 Gateway 1,650 Orchard Bank 3,000 Orchard Bank Visa 1,000 Lazarus 1,100 Capital One Visa Gold 500 Household Bank 500 Chevron credit builder 300 United Airlines 1000 I know I probably have too many accts. Any suggestions??