They were talking about "favorite things" way you do when you are trying to get to know someone. Small talk that keeps conversation flowing:

"My favorite color is green, 18 is my lucky number, and my favorite food is pizza." When she jokingly asked if he had a favorite flower he replied, "Nope, but my mom loves daisies." She brightened up immediately because daisies have long been one of her favorites and she was impressed that he knew what type of flower his mother liked best.

They began to spend more and more time with each other until their relationship seemed like a night in August; hot and steamy. Before long wedding bells rang and happy couple started their lives together as man and wife.

He loved to bring flowers home, usually roses but occasionally he would bring home mixed flowers or carnations. He never needed a holiday or special occasion, he did it because her expression never changed, she was always genuinely surprised by his thoughtfulness.

As with many marriages, it wasn't long before their home was filled with cries of a baby; a baby boy named after his father. Many floral arrangements were sent to happy mother to celebrate birth of her child, including two dozen long stemmed roses with a card that read, "Thank you for our son, I will always love you!"

Three companies distribute your credit information:

Experian: 1-888-397-3742 Equifax: 1-800-685-1111 TransUnion: 1-800-916-8800 You can call any of their toll free numbers to find out how to get a copy of your credit report. If you request a copy within 60 days of rejected application, you can obtain report with no charge. If you wait any longer charge is usually about eight dollars per report.

Don't assume that you know why your application was rejected without examining your report. Recently, my friend Dave Smith Jr.* applied for a loan and was rejected. He knew his records weren't best in world but decided to get a copy of report anyway--just out of curiosity. He was shocked to see several black marks that were put on his report instead of his father's. The credit bureau had confused his credit history (Dave Smith Jr.) with his father's credit history (Dave Smith Sr.) and noted a bankruptcy on his report! This wasn't all... Apparently, a dispute he thought he'd handled with a car company wasn't reflected on his report and bad marks were still there.