Providian w/$2800 limit. no lates Capital One w/$2000 limit no lates Secured Amex, although it does mean much. Car Loan.....one payment from being pay off. no lates a Mortage on Experian no lates. a student loan showing lates from 95 and a cable bill collection account. Thanks to you all......and especially you roni (and other Momof 3, Dogman, etc).....you all keep this board "jumping"