Here's an interesting arcticle: http://www.ftc.gov/bcp/creditscoring/creditscorexscript.pdf You'll need Adobe Acrobat to read it.
not that im lazy but are there certain parts that are more informative cause i started reading and got bored around page 58. its a pretty good article so far though.
You're very welcome Butch! Also - it is quite long Jaytee ... I haven't digested the whole thing myself yet. I'm still reading ...