The only thing I can't figure out is how and why my FICO dropped from 629 to 563 when I disputed some chargeoffs and had old deliquent accounts removed from my credit report. I am very surprised that I got the credit I did based on my FICO scores. I thought the only way I was going to get new credit is with secured cards. Thank goodness I never had to go that route. I just kept charging and paying off 95% of my monthly balances on my Discover and Cap1 gold cards. Thanx again all! Next stop Centurion Black(in 50 yrs)!