criteria for approving a personal loan

Ummmm.... I do not see the word "DISCLOSURE" on anything. All I see is "Miscellaneous and public record"... since when is my CR "public record"??????
But isn't that the same as if I were to go to a debt consolidation organization?
Ideally, you would never admit anything to the CRAs or creditors yourself about the BK.
(Criteria for approving a personal loan) My scores kept hovering around the low 600's, and I may have 1 derog per report, and they are over 3 years old.
Thanks for pointing this out Keb! I actually thought I was getting daily pulls! I had no idea there were 3 products. Wrong assumption on my part!
When I originally called them I disputed 3 tradelines and one bogus previous address.