Tried for Amex blue. Says cant give me an answer for 7-10 days. IS this a definite no? Should I call? What CRA does AMEX use? WHat do they check in those 60 seconds waiting for a decision? MY FICO/Beacon score is 706 on equifax. That in itself seems crazy high since i have a judgement paid from 1 year ago..several lates and 2 chargeoffs that are all still under investigation/disputed. What cc's use this equifax/fico score?