i wo0uld be but ive tried laons and have been denied, my father messed up my credit a few years back by putting my name on his bills and not paying them i owe ameritech in indiana 1000 the power company 1000 the cable complany 1000 and unles si put my dad in jail its gonna stay on my credit report this is all i know of what to do and so far i guessits not gona work i would think my rep n trader pointss would help even at least a little