I just got an offer in the mail, I currently have a 650 with EX, with 38% utilization. I have till Feb 2013 to submit according to the preapproval letter. I'm going to wait till I pay down on my balances and make utilization 0% plus I have 4-5 queries that are dropping off in about 2 weeks.
According to my report Citi ran my credit back in August 2012 when i had 658EX.
(12\11\2012) EQ 708 FICO TU 690 FICO EX 660 FAKO
Never forget what it felt like to be F'd up and you'll always be on top.
