Hi dswing> For now, forget about *new* or *different* cards. You won't qualify, and repeated attempts to chase after credit will just make you look worse. OK.> You need to have a good long period (say, six months at least?) to have NO ACTIVITY on your credit. No inquiries, no new accounts, no activity whatsoever. OK. Gotcha.> Just focus on paying on time, every time. The rest of the time, life your life. Work on your hobbies, work on getting a little extra income, and the like. As the months go by, try calling and getting the rates lowered, as others suggest.Will do. > Have you read the book "The Richest Man in Babylon" yet?Have not. Is it a novel or a finance book? I just got Dave Ramsey's book, 'Total Money Makeover'(used on Amazon). It was highly reccommended to me. With my move, I have had very little time to read. I read a little so far & he's very into NOT driving a fancy car nor a new car. He inspired me to want to save up to pay cash for an old car & have no car payment at all. But, all my $ needs to go to debt. Ggrrh.I want to get unpacked & settled in, but am still thinking of selling my car. I am just afraid that I may be upside on it. I have a 2002 Passat & my payment is $300. I bought it used last year.> Best of luck, we're all with you.Thanks! The support & advice I get here is great. Thank you all so much!
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