i had or have horrible credit but mostly due to the mix up in names between me and my father. when i applied to several credit cards and was denied i decided to run my credit, apparently i had a mortgage and a 2 car loans and a few credit cards i think i sent a few letters to the 3 main companies.. i haven't tried to apply anymore or run my credit but since then i have a car loan which i have a co signer for because otherwise i was going to get like 10% interest rate. and i have had a BB card that i use occasionally and pay off once the no financing promotion ends, and a regular gas card that i pay off every month.

not sure if i should try and apply anywhere else right now...