EXAMPLE: Barry and I have swapped messages on lots of credit ideas, along with many of you. I was zapping Barry on my credit, and etc, and we talked live tonight, it was GREAT! Look at what this board has helped us all learn: 1. Cross Country Bank - avoid 2. Cap One- good, small increases, fair 3. Providian -good since FED cleanup -large increases 4. info on inquiries, how banks approve 5. chexsystems 6. how to get prime credit again 7. who reports, who doesnt 8. AMEX may forgive bad credit under certain circumstances. etc etc etc. Just appreciative of all of us participating in this board. This information is like knowing the invoice price of a car B4 ever getting to a dealer. All of us listening to each other are also actually raising each others, credit scores by knowing which cards approve, which bounce, etc. I build internet, and information like this has been the largest benefit.