my CB's. My score is 552 with 4 BK's, 20 Judgments, 3 Tax liens, and 20 other negative items ranging from foreclosure to repos, you name it I got it. My wife has let me try to clean up her 3 bureaus which are not quite as bad as mine. Her score is 575 with 2 or 3 judgments no foreclosure and fewer negative accts. She does have though, 3 chpt 13's. We are trying to see who can get to 675 first seeings how our scores are pretty much the same. We are currently paying an auto loan and have seen our scores jump from the high 4oo's to the mid to high 500's in just 5 months. I have a capital One card that I hope gets reported to make my score even higher while Lexington waves their "magic wands". My wife has a grandfather who has agreed to make her a "co-applicant" (not just an authorized user), on his Bank One account. This if approved, will report all of his credit history regarding that account on her report. HE has had this account since 1988 and has 35,000$ available credit with a 7.9% variable rate. If this gets reported will her score jump dramatically due to the age of this account? When my wife and I 1st met she did this with several of her accounts and when she made me a co-applicant (not authorized user) I inherited all of her credit history on those accounts which made my bureau look like I had those accounts for 3 years! My score if I remember correctly jumped quite a bit. Please give me feedback. Has anyone else considered this? I haven't seen anything like this posted here. Feel free to comment on whatever I wrote.....I'm tired.