I do want to thank you all for your suggestions and comments about credit. I had to pay $200 for a "secured" credit card that would not hit my score first. I was told my one of the loan officers to not spend more than 25% of the card and be sure to pay it off as soon as the bill comes. That card should be coming sometime this week I think. I could have used that money to pay bills but currently I am only 1 month behind on all but one bill (water). After I married my now ex-husband, I have been fighting to get my credit rating back up and so close.. I have to call the bank that my landlord suggested trying. I left a message on Friday and will call this afternoon. I am waiting on a call from Mama Pope to see if she still wants me to take her to Walmart or do it another day.