I thought I would share an example of how FICO scores are not everything to CCC's on pre-approval. I just pulled my EQ - 697, EX - 685, TU - 662 (no love). I tried BofA and HSBC online pre-approvals and was offered secure card only. This is great example of late payments (a ton from 04-06) kicking my butt. GW's here I come!!
To quote "Never ever be late!!!"
Starting Score: 615