If you're actually in Minnesota, as opposed to from Minnesota, see if you can figure out who US Bank pulls. They seem to vary in their CRA's though. There are a couple of threads currently going on about them, and they seem perfect for someone in your position who doesn't want to hit EQ for a credit union app. (Although a CU would also be perfect.)
Barclays pulls TU, but they can be pretty scary.
edit to add: although there's a grumpy entry on whogavemecredit.com about US Bank requiring 670's minimum. I'm not sure that's true, though; check the threads here.
You might need to let things cook for a bit and let your scores rise some more.
Message Edited by haulingthescoreup on
05-20-2008 04:58 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007