How Does My Credit Look?

I have my Equifax report from Oct of 2004 and on it It has Sears and my account was charged of for 800.00 Well I have applied for credit cards and I was declined for all of them. I just got my new credit report Sunday from Equifax's website and now Sears is no longer on my credit report! The SOL was up this month. All I have on my credit report now is one Jewelery store credit card that was never late and is paid off. I never even used the card since 1995. My Bankruptcy from 1997 is on there and 1 collection agency that I owe 12.00 to from 3 years ago. "I am not sure that is really a valid debt".

So how does my credit seem now? Does anybody think I can get 1 credit card yet?

A few years ago I would apply for dept store credit cards and it would delcine me right away then I would get the letter in the mail with a few reasons listed on why I was declined. After a while I would apply and the so called rapid credit proccess would not tell me right away but would say they have to look into it then I would get the letter in the mail and there was not a list of reasons anymore just like 1 thing "which I can't remember what it was"

Last week I went to my bank and applied for a Visa card. The woman told me that she would call me later in the day "last monday" and tell me if I were approved or not. I never heard from her so Tuesday I called her and she said she never heard back and that they are looking in to it. Well today I called and talked to somebody else and they told me the decision has not been made and that it will be made tonight. Does this look bad or good that they have taken 1 week and 1 day to decide?? ?? ?? ?? THANKS!