Turns out that Equifax is reporting that I was born in 1915 which is off by approximately half a century. On top of that they are reporting as unsatisfied a judgment from 1990. The judgment is satisfied and shouldn't be on the report anyway. Finally, they thought my debt utilization ratio of 30% was a bit high but probably didn't impact my score much. Since I'm 12 points below the cutoff, every little bit counts. Anyway, this 30% figure is not right and is caused by Citibank's failure to report the limit on a 10K card. So I faxed over copies of my passport showing true date of birth, the last statement from Citibank and the satisfaction of judgment together with a very nice letter explaining how I want to shift my business to them because they have an outstanding reputation for customer service. It wasn't particularly nice to get the denial, but it sure is refreshing to talk to people who direct and reasonable for a change.