yea it`s crazy, btw Wachovia approved 15,000 loan for 15% for 60mth....i asked for increase loan amount to 22k, denied and they said 15k is the max they can give me.... I went to CU this morning, showed the CR my current score and she said better try it when my EX hit 600`s cuz rite now is 589..(it was 544 on june 1st) but i dont think CU will give me a adequate loan amount either...any suggestion?