I think the reason for the increase in the sub-prime credit is because the banks have gotten their bail out and their profits have gone back up.  There is still money to be made by going after these toxic creditors so they decided to get back into the water.  Banks are predators.

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Starting Score: 676 Feb 2008; Current Score: 753 May 2013; Goal Score: above 780 this year
Oldest Account: 31.1 years; Current AAoA: 14.6 years; Current Utilization: 4.7%