The name is Tim. I'm 34 years old. EX - 586, EQ - 588, TU - 639. My credit REALLY took a dump when I joined the US Navy out of high school and got myself into a shiny red sports car @ 29% interest! Fortunately I outlasted the SOL and the charge off disappeared. I was also fortunate enough to have a few other CO's disappear as well. But(t), those pesky medical bills stayed with me like an incurable STD. I just paid the last of these debts this afternoon and am now looking for way to get some active credit without getting you-know-whatted in the backside on interest. I also would like to find out how to get these paid off debts removed from my credit report if possible. This site looks like one that might fetch me a few ideas.