Hi! I've been a member for quite a while but this is my first post. This board has helped me so much! Reading everyone's accomplishments always gives me confidence to apply for new credit. Since Friday (11/16/07), after reading the forums again, I applied and got approved for Hooters (applied Friday night, don't know CL yet), Target (applied Saturday, don't know CL yet), and Kay's today $1,500 CL. I'm thinking of applying for either a Best Buy or Dell's. Are either of these difficult to get? I have a BK that was discharged 9/2002. As of 11/16/07 my scores are: EQ - 615, EX - 636, TU - 653. I just disputed five collection accounts (same collection agency, very small amounts), that I believe were included in the BK. Over the last four years I've gotten these credit cards: HSBC (5/03) - $300 increased slowly to $980 First Premier (6/03) - $400 no increases Capital One (7/03) $300 no increases Dillards (11/03) $1200 several increases now at $2200 Merrick (11/04) $1200 several increases now at $2300 Care Credit (3/07) $5000 I've also gotten four different small car loans (each paid off before getting the next) Thank you everyone for your inspiration.