I have two questions and would appreciate any input. I understand this scoring model is at best a good guess so I am not treating it as gospel. 1. They gave me a 41 score. Can you give me an idea where this would be on the FICO scale? The main reason for the low score was high revolving charge debt. 2.They said I was approved for four credit cards. Are these honest approvals or the typical "apply and we will evaluate your credit"? Three were from Direct Merchants and one was from NEXTCARD. Thanks.