rookie457

Name of Institution: BofA Platinum Visa Approved/Denied: Approved Score: 752 Credit Limit: $20,000 CRA(s) Pulled: TU State: CA

Not sure if they do an internal scoring system for ARs, my ARs from Amex are on EX so they could be getting some crazy product from EX. Not trying to get you to spend money but a new fico from EX may help you. Over 50% on any revolving account kills.

If your line of credit being near maxed out is a new thing to hit your report, your score may have dropped enough for Amex to flag you.

Wow that's alot of info requested by Amex. I was F/R'd last year. I have since abused the crap out of my amex cards for large purchases very randomly with no backlash from them. I still don;t carry a balance with them, they didn't flinch at 10k plus on 2 cards and 5k on a thrid card in 1 cycle. If you get passed it hopefully you'll be golden. I don't read as much as I used to here, has anyone been F/R'd twice?

Also keep in mind the number of accounts reporting a balance can help or hurt your score. A balance on all or a large portion of revolving accounts big or small will be a negative.

Why don't you find someone with a Citi card that can BT to their checking and you BT the Citi balance to your Amex.

Guideline increase is a credit line increase. They are really good about increases every few months. I'm up to 7800 now. Last increase was a 2300 dollar increase. I've seen soft inquiries on EX from macy's.

Here's a quick little app. http://www.cpuid.com/download/cpu-z-133.zip Everest is probably a little more in depth. http://www.lavalys.com/products/download.php?pid=5&lang=en

03/29/05 I applied for the paypal card last year it was a EX pull. Socal location. Not sure if Providian was supposed to be a TU only puller, cause it wasnt a TU pull for me. Hope that helps.

I disagree...TU has always been the easiest for me to deal with... They usually (8 times out of 10) delete with no argument - this includes public records, addys, etc. It's EQ & EX that I have the most trouble with. EQ just ignores me. EX responds to say they can report whatever the OC sends them and if it is inaccurate, I need to take it up with OC. Slowest to update. Not the hardest to deal with.

I wouldn't call that wisdom. Yes, you should not let them walk over you but suggesting threats is not a good practice. I'm sure you were only kidding.

Is that a 561 or 568? Meridian ambisonic amazes me everytime I listen to it. I sold my 861 DSP5000 24/96 and DSP5000C 24/96 recently. I miss it..... B&W's are wonderful speakers.

I would try to not spam this guy. Good luck all.

Looks good to me. I only received a phone call verifying the actions they took, never received anything in writing. So be sure to include contact info and a thank you for the time you taken to read this.

bob_carter@toyota.com is the address I used.