Just wanted to add my experience to the thread.
Apped yesterday. Called this morning and was denied. I'm in California. They pulled EQ. My EQ FICO is 666 as of yesterday. My util is 54%. I have a BK Ch7 discharged 3/05. 5 yrs, 1 mo with no lates. My AAoA is 9 years. Income $64K.
