I have no meaningful DP to share, other than my reports are clean. FICO 08 scores average between 770 and 825. Have not paid so much as 1 cent in interest in many years to any issuer. No BT games either. I PIF my cards before the statements cut 99.9% of the time. Average age of account is 2 to 4 years. Haven't had a car loan since 2004.