Bob, thanks for that mail with the 1003s. I've been so busy, haven't been able to try them out. Am basically looking for something that's "idiot proof." I.e. am hoping I'm not going to get a bunch of mail from readers asking how to use it after I link from the loan shopping page.

I don't understand the decline for no new credit if you have 3 accounts. I've always recommended more accounts, but obviously the scores give you credit for what you've got.

Strange though that the tax lien doesn't lower the scores more, very odd really. Did you get your 4 reasons for each score explaining why they weren't higher?

Also, I'd check with World directly again.

And thanks Don, appreciate your clarification on the scores! When I quit brokering, lenders would decline anything under 680, apparently a few things changed for the better.