Opened 1998 Providian Visa $1500 (balance $147) Opened 2001 Orchard MC $500 (balance $100) Opened 2000 Car loan $23K (balance $22k) My negative stuff date of last activity is 1996: 9 Paid charge-off accounts 3 Paid Collections What do I need to obtain in order to boost my scores up a bit? Would I qualify for a Gold card? From reading different posts, I need a Retail card but which ones are easy to obtain. I don't want to waste any inquiries since I had over 15 last year just trying to obtain a car loan. Also, I would like to purchase a house soon. Help me experts.