Thanks for that advice. I will definitely wait then until our scores improve a bit. I'd rather take the HP when we are in a good place. I am just happy he got in...now to add me 
Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)
Goal: No apps until 07/2013 & 700's across the board
