Sears May Sell Credit Division

I don't follow Sears that closely, but I am not so sure this is a good idea. In 2002, the credit division was 60% of net income. Sure they are having some problems with bad accounts, but that will be over when the economy rebounds. It seems like Sears could get a great price for the business, but will they be able to compete better if they focus only on retailing? I'm not so sure they can if they stay on their current path. I hope they find some novel idea to shake up the retail business, otherwise, the future looks bad for them.