Hi, myfico7, welcome to the forums! The Bankruptcy board doesn't get as much traffic as this one, but the readers there have a lot of specific knowledge, and since you've had 26 reads on this post on General Credit Issues without a reply, I'm moving it over to BK.
Hope you get some info there!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007