My current file is as follows: FCNB $500/$190 balance: R1 since 6/00 Providian $950/$155 balance: R1 since 9/00 Orchard $1000/$300 balance: R1 since 11/00 2 small collections, over 3 years old - they can be paid off at any time. I am sure that I can negotiate the removal. Citibank denied me when I applied for an AAdvantage card. I requested written reasons, and I received the following: 1) Insufficient # of satisfactory credit references. 2) Total number of installment / revolving credit lines. I can understand if I was denied because of prior history, although I was hoping it might have been forgotten. The reasons that they stated seem to be contradictory. How should I proceed, if at all. Any help is appreciated.