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Okay team, I pulled my 3 scores from my fico and 2 are just over 500 ex and eq, tu showing same accounts except they report me with 136% usage with a balance of 2381 in revolving. I only have 1 open cc with 432 on 500 that I have already paid last week but my statement hits 20th. My concern is that tu will still have née at 136% even after the payment is registered. Do they classify accounts differently? I have a few cos that are being settled currently, but nothing else open. I called tu- no help there either... Anyone?

So I went on Amazon and decided I would do an application to determine where I stood as far as creditworthiness was in their terms. In the meantime, I figured I would at least get the Equifax denial and have the right to request my Equifax report (which i will still do). Anyhow, I decided to fill out the Net 30 and Revolving application and then call in and play "the confused role" So I get a rep on the phone asking him if there was any primary difference in the two accounts outside of pay terms, and that to be safe I filled out both apps to let him fully process whichever I determined to go with. He states "Credit Review requirements are the same for both" So I told him to go ahead and see what we come up with. He puts me on hold for some time and then comes back giving me a reference code and telling me that he is transferring me to Verification department. When i got to her, she put me on hold for some time and also came and called the landline. After this about 10 minute process with her alone, she tells me Congratulations approved for $5000 (amount requested) At that point, I asked her which type of account she completed.. she stated that she did not know because once it hits her department, it is merely verification. *sigh* So I call back and talk to Net 30 customer service to see if thats the account I have (assuming this would be most logical) about whether it would be simple to convert over to Revolving account type.. another long hold session of course... then she gets me on the line with Credit Department Credit Department asks me if i want him to close the Net 30 Account .. WHOA BUDDY ... i told him that if he was able to simply approve the Revolving account in lieu of the net then we can close it.. (didnt want them to think i was going to overextend myself) however.. if we cannot simply open the Revolving account, then we will continue with the net account. 10 minutes holding COngratulations we were able to approve you for the Amazon.com revolving line of credit... $2500 limit.. SOOOO.... both lines opened simultaneously... net $5000 and Revolving $2500... Guess ill go ahead and try and get me a copy of my Equifax report since they should see the inquiry and ill just say i was DENIED...

Ive been in business for a little over two years with 5 Trades reporting on DNB, 7 reporting on Equifax, 3 Reporting on Experian. Im applying for Fleet Gas cards, Arco, Bp,Wex and everyone came back denied. What could be the Reason?