I am in the same boat,but know that my score and hiustory should be enough to be approved. Submitted app for Quicksilver One & plat, both went to review. I believe the first one was denied (it's only been 3 days though). From what I've seen on this forum there are a lot of people that have found a phone number/email that's been able to get them to someone with decision making power for recons. I've tried calling quite a few of the backdoor #'s, so far no luck.. Am hoping that there is someone on here that could pm me one that's worked for them in the past! I've been working on improving my credit for a while now, just had my first son born 2 months ago, and am trying to take it to the next level, I've seen countless people be able to get a good headstart through their credit steps prog, and their CLI seem impressive. Hope to hear from some of ya'll soon thanks!