I would suggest that you go to EDGAR and read SEVERAL annual and quarterly reports - as far back as 1998. Pay attention to...
Debt vs CC receivables ratio and charge-off %
Also see if you can figure out WHY SSS are down - some reason other then the popular opinion expressed on this board by short-sellers.
Also - because Sears is a hybrid company - 1/2 retailer & 1/2 financial - I've yet to find another company appropriate for a valid straight comparsion to Sears - I think it is best done in segments.
For their financial arm - I suggest Household International (HI) For a retailer - perhaps JC Penny (JCP)
Lastly - trust absolutely NOTHING you read on this board, because there is MUCH misleading & misunderstood information flying around from both the shorts and the longs - VERIFY EVERYTHING before incorporating it into your decision-making process.