flyromeo - Yeah, your score is probably low because of the number of trade lines and their balance proportional to the total limit. I am guessing your HSBC card has a $1500 limit as well? You also have a few late payments which will drop your score as well as the tax liens. I am assuming your liens are still listed on your credit report as FED TAX REL or CO LIEN REL or CITY LN REL depending on where the lien was filed. If they are on your return without the "REL" make sure you contest them if you did in fact pay them.