Well I applied for a citi AA advantage card, and received it today. My efx score pulled was 603. Line is $5000!! Also received today: Spiegel $400 (Tu pulled 575) Cap 1 one ($200) - cancelling monday Paypal Providian Visa ($300) - cancelling monday Now I need to get a BT offer for the new citi card, and i'll be BT'ing off all my old cap 1, etc credit cards and letting them idle. Strange that citi will give me a new $5000 limit card but denied my planetfeedback increase request for $1000 increase on my other citi card.. FYI, my efx 603 score includes the following baddies after cleanup: 1 Chargeoff $0 Bank America, 1 Collection $0 paid, i have like 20 inquiries in past 6 months, and 66% debt ratio to knock my score down.