thanks guys! i was expecting drops due to my app spree of two weeks ago. it seems that i must have already been screwed on inquiries so the new ones aren't hurting me. my hooters and dell accounts have posted and apparently knocked my ut down enough that the new account factor was a wash. i am waiting for 2 amex accts, 1 hsbc acct, and 1 boa acct to post...i am curious to see what happens then. my uts will be around 7 percent but that is a lot of new credit.