About 1 cm above your post is a fabulously informative and highly detailed Business 101 by Tuscani. It should be very helpful for you. Here is the direct link:
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=59046
EQ 787 EX 781 TU 737 11/17/07
*** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***