kmc.. sounds like you need to step up your credit card/building credit knowledge.

one of the dumbest things you could do is open a credit card and close it right away. one of the factors that affect your credit score is your available credit, so even if you leave a credit account open and never use it, the fact that you HAVE available credit is in your favor.

also, signing up for a million credit cards and having CC companies make numerous inquiries into your credit history works against you.

its best to open a couple of accounts and establish a long history with them. it shows that you're capable of using credit wisely for extended periods of time. it also helps to have different types of credit ie. credit cards, car loans, student loans ... it shows that you're capable of juggling different types of credit.