Thanks to these forums and some great advice, my spouse and myself have bounced back from hard times. We filed over 10 years ago or BK and now it is off our reports. We have rebuilt over the years and now have no negatives, all positives and we manage our accounts effectively. We have Citi Mastercard, 2 Capital One accounts, and a couple store cards and last week got approved for a Discover More Card at $2000 credit line with 0% interest until July 2010 and 5% cash back with no caps on the amount of cashback that can be earned. WOW. It goes to show that with time, diligence and active listening on this website, it can and does work. Thanks you again. 
WOW...congrats to you both!!!! That's great news....that's the kind of news that keeps people going....no matter how bad things may look today!
