This is easing my fear of the SP!!
@PandaGirl77 I am glad to hear that! They are a great tool and should be used prior to apping whenever possible. What better way to tell if you're likely going to be approved or not without wasting a HP than the creditor themselves saying "Your current credit profile fits what we are looking for in someone applying for this product," or "Don't apply for this unless you want us to say no again." 
