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It sounds like u get 30 to 40 points for opening the account, get charged money for your own money and then lose the credit points when u close the account. Right?

I have to agree.

Virgin mobile phones die early and U cannot recover your address book! I still advise getting a prepaid phoone, using only what U need. My net phone is fine. I got phone, and 300 minutes @10cents per min for $25.

I pulled my credit report. I had difficulty getting Experian online. So I used another. Experian sent me a report on the mail 2 weeks later. I found many errors that I have disputed. They tell me I can only put a statement in with them, Online, you can only pick one of the choices which do not fit. They just updated my old debts, thanks to my pulling them, and updated them, saying they are now extended 3 more years and are valid. I should have left them alone.

With my credit score, any cell phone I use has to support itself. My virgin phone is just fine. I paid $0.00 for it, got the $6.99 per month, 10 cents a minute plan, use it when I need it. If I plan for $30 per month and don't use it, the amount rolls over.

I don't know if Wilmington Trust is connected with Key Bank of Wilmington, Delaware, but I steer away from anything with that name as I sent in a deposit years ago and the bank closed and kept everyone's deposits, mine included. Reason being it was not technically a bank account. I saw Key Savings and Key Bank through the years using slightly differnt names. Better check as I will.

I went online at freecreditreport.com and only received one report. This was a year ago. Mistakes were on it. How do I clean up report? Someone had gotten a mortgage in 1994 and it wasn't me. That was on the report, too.

With a 513, I won't try at all. Maybe next year.