Thanks everyone, that Barclays backdoor number is spot on. Applied for Apple itunes and was declined due to Serious Delinquency (which is wrong... LOL). Talked to a nice man (named Kevin) and asked me my income and some old/closed personal loans. Then he asked me how much is my total purchase today including taxes, I said between 1500-2000 with tax maybe 2100. After 5 minutes approved for 2100 CL... woo hoo. TIME TO GARDEN !!!
MyFICO ROCKS !
Mahalo
Starting Score: 583 EQ, 612 EX, 569 TU