Marci and guys, I don't understand how you knew they would reopen my Dillards account. I mean, most creditors say the derog has to drop off of your report or they only go back 7 years and the derog is older than that. So why do some reopen and approve? I never had a Mervyn's or Walmart store card, so would they approve me also? I still have a 2 yr old Chapter 7. What dept stores will open and give me a chance to build my FICO?