After reading this thread, I decided to apply tonight and I was approved! My lowest score is EX at 695, but my current utility is around 57%. 1 baddie on EX about 6 years old, none on TU or EQ. 9 cc's, 1 st loan, haven't been late in almost 6 years. I haven't applied for a card in 2 years, so I said what the heck! Glad that I did!!
Starting Score: 718 Current Score: 718 Goal Score: 800