My husband was looking through his old credit report and he noticed a credit card company was still reporting his credit as R0. Of course it was one that had not been covered under our bankruptcy because it never had a balance. Even though we had given all of our cards to the Trustee, my husband called and the account is still OPEN!!! They are sending him a new card ASAP!!!! Maybe now we can start getting our credit back on track! Plus we just applied for a Capital One Mastercard and we will know in 10 - 15 days. The lady on the phone said that we had a pretty good chance because our family income is over 70,000 and we were discharged from our bankruptcy over 3 years ago!!