1. Revolving credit too high (home eq LOC at 85% of limit) 2. No tradelines over 12 months old. I have 4 accounts 2-4 years old that are open and always current. They are one mortgage, home eq. loc and two car leases thru Chrysler. Besides this I have 10 other accounts paid on time over 2 years old that are closed now and never late on. 3. paid judgement in June of 1996 for $288 they would not disclose what the "cutoff" score is. I sent a letter to be reconsidered. Anyone know what the AMEX LOC cutoff score is? Thanks for all the wonderful help!