I have been reading the forums for hours now, and just when I think I have it figured out, I find new info stating otherwise! I could really use some advice. My story, short as can be: Once upon a time I had great credit, my limits went up and up until I got in over my head and it all came crashing down-about 5 years ago. I was completely overwhelmed and just buried my head in the sand. Now, I am more stable and would like to start repairing the damage as much as possible.