I disputed a bunch of things a few days ago and then pulled my FICO/Beacon score which was 489 and now it's 606! I know it's artificial, but I STILL like it! Meanwhile, does it make sense for me to apply for credit now? Any suggestions? As you can see, I'm in the toilet. Do creditors see the same thing as I'm seeing? I pulled it straight from Equifax Score Power. And Experian Creditexpert simulator seems to suggest that if I can get just $1250 in revolving credit (I currently have none, which I had thought was a good thing) my score would go up there by 30+ points! Last month I was turned down by Cap 1 and Providian (who closed a secure account with me aobut 18 months ago) I just ordered a Net First card. I feel that "desperation" thing that someone was talking about... Thanks.