Household checked my credit via Equifax at a time when I am certain that the 3 negative discharged BK credit card accounts and the public record of my BK were being disputed by Junum. Yet, I only got a measly $1,500 credit limit. Equifax is my worst report as the BK never made it into the public record at either EX or TU. For those of you who read my NEXTCARD post yesterday, you will remember that Nextcard checked EX and TU and gave me a $6,500 limit along with all the other terms one would expect in a "prime" card. Nextcard only required 2 days to award me the card. My conclusion: I am obviously entering the prime credit zone for the first time since 1998. But even though the BK may have been suppressed for FICO scoring on EQ, I believe that I was a marginal candidate for the GM card as HCS could still see the BK. This is reflected in the low credit limit of $1,500. I also believe that I got lucky that Nextcard checked my 2 best reports, ie. TU and EX and accordingly awarded me a $6,500 limit. Anyway, I feel fortunate that I got these 2 cards to add to my 9 existing accounts. The decisions really should have been negative when you consider that my Chap 7 BK was discharged only 26 months ago. Only 2 dept. store charge cards survived my BK. WITH THE HELP OF THE BOARD, I have added a lot of new credit in the last 6 months and made the terms much more favorable.