Other than the BK, it depends which report they pull. TU is the cleanest. Two medical collections for 75$, one paid. A couple of late payments all over two yeas old that I am sending GW letters for. EX and EQ have a $2200 judgement from univ of phx. As far as positive credit, I have a furniture store account for $500, nfcu cc for $2500, cap one $201 & $750. And AU on ny husbands cap one for $300. Two auto loans totaling $16000. Hope I didn't miss anything.