Thanks all!
@forumpheen -you're spot on; however, if I had been flat out denied I would have accepted that. But finding that I was denied initially because of something on my report in error, I really had to find out!! I wouldn't be anywhere near where I am today without these forums. All the information on here is super valuable. I love reading everyone's success stories as well as knowing that I'm not the only person who's come from a past of poor credit choices. It's great support!! But I can say that I'm officially done applying!
**couldn't quote-on an Ipad**
Amex BCE 24.5K | BofA Cash Rewards 15K | CSP MC 13.5K| Chase Freedom 7.5K | Discover IT 3K