My profile is this: Totally clean with Equifax and Experian. One CC with 28 months' perfect history and a zero balance (closed by consumer); another CC with 23 months' perfect history and a zero balance; a third CC with 12 months perfect history and zero balance; a fourth CC with six months' perfect history and $1,500 of $3,000 used. Finally, I have a car loan with 6 months' perfect history. The CC mentioned above with a $1,500 balance is a prime card from a well-known bank. The others are subprime. My TransUnion report shows a 4-year-old paid collection from a utility company that I've disputed because it is inaccurate. It's the only negative on any of my reports. How does my credit compare with yours? Do you have any negatives? Please comment. Citibank offered me a Platinum Quicken card with a 13.4% APR but seems to be taking a lot of time to make a decision. I'm considering applying at umbrellabank.com but don't want to waste an inquiry. Thanks.