I have a Cc ???

Instead of finding cards that pull TWO CRA's just apply for 2x the cards. Wouldn't that work? Do you have any derogs, lady? Charlie

 

If you want to get a denial, then AMEX will be glad to give you one if you have a derog. Charlie

 

It takes a heck of a lot less than 30 minutes for me to do a turndown:

60 seconds typing name, ssn, address into point
15 to 20 seconds to pull a tri-merge
35 seconds to print it (more or less depending on history)
5 seconds stapling the pages together
10 seconds to review report
15 seconds to check 'Delinquent Credit Obligations' and type my name in a box
10 seconds to print out 2 copies of turndown letter
2 seconds to hand one copy to client and at the same time jam the extra copy into their folder

total time = anywhere from 2 to 3 minutes

 

It all depends what state you are in, but I think for the most part they pull EQ or EX. Check millcbs.com, but I have a feeling that you already have. Charlie

 

Honestly, no broker is going to turn you down that fast. I will at minimum sit down and go over the entire report with anyone that comes in looking for a mortgage whether they have upper 700s or lowly 500 scores.