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Thank you all for the responses. My apologies for not being able to reply until now. I called 800-303-1368, which is listed on the Backdoor Numbers thread on myfico. My AAoA is only a couple of months, and I have Moto, Overstock, New York & Co, J Crew, and Eddie Bauer. I can go ahead and wait 30 days, I suppose. But, obviously, I don't want to wait.