Got my letter today.. turned down. The reasons they stated are: Derogatory Status on File, and Previous Delinquency on File. They even pulled Experian, my best @ 697. I haven't been late on anything in 3 years, no BK, no collections, no nothing, except the 6 month delinquency on my mortgage 3 years ago (and some other 30 days from 5-almost 7 years ago). Yeah, I know that's a big one being that late on a mortgage, but it was *3* years ago!!!! Sheesh... Seriously bummed........ Ozzy.
