Serious delequency in the past about 7 years ago and just a low 659 Fico score that's about it but I actually called last night to see the status and the lady said it was sent over to another department for review and he said someone had been working on it Tuesday and she's like lemme look into it and took about 2 min of silence On the phone then she said I was declined so I said okay thanks but online it still says in progress maybe she didn't know what to tell me at the time you know.