or judy thomas, a trauma nurse with a horror story worthy of hitchcock or kafka. >> judy thomas: there'sdy to go to. there's nobody. you just keep making phone calls and you just keep writing disputes and you keep sending them your social security number, and they don't care. >> kroft: thomas, who manages two medical centers near cleveland, says it all began in 1999 when she went shopping for a new dress and applied for a store credit card to get a 15% discount. she was denied. was that the first time you'd ever been denied credit? >> thomas: yes, very first time. >> kroft: ever? >> thomas: ever, ever. >> kroft: but certainly not the last. it became a regular occurrence. the personal credit reports she got from experian, transunion and equifax were all clean and without blemish. yet she kept getting rejected and couldn't find out why. >> thomas: i would get a consumer report and it would look fine. i would go to the bank, and they would tell me, "oh no, you have all this debt." but no one would tell me what was on there. >> kroft: they wouldn't tell you what the debt was, and they wouldn

. >> on the panel, judy miller. cal thomas, jim pinkerton and ellen ratnor. i'm jon scott. fox news watch is on right now. >> jon: nbc news has got a document that lays out the legal arm to justify president's use of drones including in some cases u.s. citizens. >> reporting details of a 16-page memo outlining the legal justifications for the obama administration's unprecedented use of targeted drone strikes against al-qaeda suspects in foreign fliagsz, including american citizens who pose an imminent threat. the white house went on the defense following that report. >> i want to be clear, legal justification for killing american citizens without any trial. >> i would point you to the ample judicial precedent for the idea that someone who takes up arms against the united states in a war against the united states is an enemy and, therefore, could be targeted accordingly. >> jon: what the hypocrisy here? >> you might be thinking of david jackson's piece in u.s.a. today, what if this was bush's drone policy? and the ren dig in guantanamo and all the things that happened in the

on the panel this week, fox news contributor, judy miller. cal thomas, jim pinkerton, mrn conservative magazine, and daily beast columnist kirsten powers. i'm jon scott, fox news watch is on right now. members of i have the high privilege and honor of presenting to you, the president of the united states. [applaus [applause] >> thank you, thank you. >> president obama delivered his state of the union address tuesday night pushing his agenda items. setting the tone for his second term and trying in part to cement his legacy, bold and aggressive, that's what we heard the speech was going to be. kirsten before was actually delivered, most in the media seemed to give it a thumbs up. you had kind of a different take? >> yeah, well, i mean, i thought it was a pretty underwheming speech, actually. and the reality is you could almost write the articles before they come out and now what people say. every speech barack obama gives they think is brilliant when it's transparency not brilliant. and when i talked to democrats behind the scenes, yeah, underwheming. th