FANTASTIC!! I also applied for the HH from AMEX right after I got approved and was denied!! The reason was a foreclosure and collection within 2 years according to the response, however, they pulled from EX and I can't see what they're refering to as I have 4 baddies all 5 years or older with only 1 being owed on, so I'm considering sending in a recon...I just dont get it..