Hello everyone, I would like to thank everyone for all there input on the forum here, since I began the process to clean up my credit reports I went from a 584 back in 6/2004 to a 728 as of 4/2004. My question is what cc should I go after, I have the following: Target guest card since 12/98 1-30 day late JC Penney card since 10/98 never late Household Credit Card since Jan-04 never late School Loans in repayment, just started paying back Car Loan 1/2 way through paying off; never late I have had a visa but i closed it in 2000 Any input would be appreciated.