I know 624 is not that great but I have been at the depths lowest was a 539 and my new score is with 9 remaining negatives of which 6 more are due to come off within the next month. And I am disputing my inquiries. So who knows I may get my AMEX sooner than I thought,,,,,,,hehehehehehe!!!! I am VERY HAPPY AS YOU CAN TELL! Good luck to all, a great thanks to the board for its valuable info! Cyprigirl Happy Fourth Everyone!