WHAT WE ALL NEED TO DO. This is great that we are all sharing , and learning. But one thing we all have to remember is that each one of us is different, and the creditors react differently to different situations. A good example is how 2 of my clients got Discover cards for $10K each and some of you were telling me how you got shot down. I also just put up a notice of Sears being tough and 2 people wrote how they got cards for $250.00 and $500.00 with little or no credit. The fact is that even two people with similar cercumstances could start off fresh, apply for the same credit at the same time, and due to one quirk with one company have quite different reports after 3 years It is obvious that we can't use a 1+2=3 formula, but we can if we set it up right be able to place probabilities of results. To do this properly we will need to report a lot of variables suchs as: A. Salary B. Negative Credit C. Payment Paterns D. Mortgage Payments E. Auto Loan Payments F. Debt to income ratio G. Failed Inquiries When we take in this data, we have to also be honest with ourselves as to our own debt to income ratios, and we must look at the number of inquiries on both our report, and the other person's report. Let's all share and learn from each other but remember just as DNA and fingerprints our credit history is unique.