I'm sooo excited!!! But I will warn you this is a long post, so pull up a chair and enjoy my happiness with me 
First let me start from the beginning. I didn't give my scores to much thought after losing everything (house & car) back in "01" Hubby lost his job and I didn't make enough to cover all the bills. But we slowly bounced back, bought a new house in "09" and got a new van last year. So in theory my history is short. Although on my TU and EX reports it has my history at 12yrs (from an old chase credit card that is closed.) But that card doesn't show on my EQ report so it only has a 2yrs history. (I think that is why there is such a big difference in my scores)
I only had one thing bad on my reports, a collection and it was due to fall off my EX report in Aug and TU said estimated date of removal 10/2011. Well it came off all 3CR's at the beginning of this month (YEA!) (Great credit bump too! keep reading below)
Back in July I received a pre-approved offer for an Amex Green and an offer for a Discover card. I didn't dare app with either of them with that collection on my reports but boy was I tempted lol.
Ok fast forward the date 8/4/2011
I checked CK and seen my transrisk score jumped 31pts so I knew the collection had to of fallen off. I quickly got on myfico and pulled my real scores. It gave me a great credit bump TU 60pts and EQ 22pts put me at 729 on TU and 666 on EQ. I was elated.
So after looking at my 729 score with such admiration and awe. I snapped out of it and realized I could app for the pre-approved cards! I felt like a kid in a candy store (sad I know lol)
So I went to the Amex site, with the thought in my mind about defaulting with them. I looked over the offers for Green and Zync worried if they would even give me a new card. I decided to go with the Zync knowing it was easier to get. I pushed that button covered my eyes, fingers crossed..... drum roll please...... APPROVED!!! I was tickled pink lol. At that point I didn't know if I was back dated I had to wait and get my card. (I'll get back to this keep reading below)
So I decided to app Discover and got that dreaded 30 day message. So I looked up the back door number on here and called. They told me I had good credit, 2+yrs perfect payment history, but I didn't have a long enough revolving credit history (only 4 months worth, Cap One & HSBC opened 4/11) But he said I had good credit, I asked what CR he pulled and he said EQ (it figures my worse one! 
) I then asked what my score was, he said he couldn't tell me that over the phone but he did say that it was over 700. (another comment about this score in a bit) I asked him if there was a way he could reconsider me. He said no, I have good credit but they like to see at least 1year of revoling. So is it possible to have a good decline? He praised my credit but still couldn't issue me a card at this time. So until next year!
Ok the date is now 8/6/2011
I was in walmart and decided to see if I could get approved with them now (declined in the past) tried at the register and approved for $400 yea free credit score lol (regular walmart card not the discover.) I also spent over $100 to get the $20 cash back promo.
Ok now the date is 8/9/2011
I was playing on the computer bouncing back and forth between here and looking up credit cards that I could app for and I seen the Citi Diamond Preferred card with 21months no interest or BT, I said hmm interesting, ah why not so I pulled the trigger and I got "Your application is pending further review and we need additional information from you. Please call 1-866-xxx-xxxx now to receive an immediate decision" So I called and spoke to a very nice man. He asked some general questions Name, address, asked to confirm my HHI etc. He said hold on and it seemed like forever, he came back and said everything looks good let me get my superviors approval hold again.... comes back and says congratulation you have been approved for $4000!! YES!! my biggest limit yet soo happy!!
I was also hoping my Zync would come today but it didn't.
8/11/2011
My decline for Discover came today. It said my EQ fico Was 696 pulled on 8/4/2011 same day as I pulled my EQ here showing 666. Why would there be such a difference between them? If it was TU I would of thought TU98 vs TU04 but its EQ??
is there a newer version of EQ too? Can anyone chime in about this?
8/12/2011
Yea my Zync finally came in the mail today. I ripped it open only to see "member since 11" on it but all hope wasn't lost. I remember reading someone on here had their card with this year and was still backdated. So I went and set up my account and it said "Welcome (my name) Member Since 1996!!!!!!!!! yea I am so very happy!! I also got my Walmart Card too today. I went and set up my online account and pulled my Fico score 735 which was higher then here! WooHoo
Oh I need to mention my EQ score tanked to 634, walmart reported yesterday a day before I even got my card, killed what little history I had. I didn't pull a new report yet on SW. to see what all killed EQ's score I don't want to know. AAoA is gone I really hope the backdate can fix this when it reports. I can only imagine what the Citi card will do I will update this when I find out why it tanked.
It seemed like I would never be where I am today a few years back after losing everything. I came out ok and my credit is only getting better!
I really am happy. It feels good to know I made it! I am almost to my goal of 750+ at least on 2CB Dang EQ lol can only get better from here!
Thank You for reading my story 
any and all thoughts are welcome!
ETA: pulled both EQ & TU not sure why my score tanked other than AAoA and Length of history on EQ just posted here about it.
http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/TU-score-vs-EQ-score/m-p/1003376
@Booner72 wrote:YAY! I'm so jealous! I betcha they pulled a credit card enhanced is why the scores were different.
I am so happy about everything! With the exception of EQ's score.
Its funny I have become obsessed with my scores since April and my hubby teases me about it because all I do is sit at my computer and read the boards lol