Thanks to all, so far I have been working on cleaning things up since mid-May and have had fairly good luck so far. Well I decided to bite the bullet and look for an anniversary ring for DW. Went to Samuels and asked which CRA they used, they had no clue what I was talking about, she called credit office and they said TRW (how long has that been EXP??). I told her that I have a 9.5 year old BK, she said â??we approve people with a lot more than that.â?, so I took a chance. DICLINED. She said â??they are hard sometimes, sorry have a nice dayâ?. I was P!55ED. Day two, tried Fred Meyer, and asked which CRA they used. She said EQ (good, clean, PG 722). APPROVED $3000. DW will be happy, 1ct Past, Present, Future, descent price half of CL left, one year same as cash. Wish me luck this weekend, quack
