I know! I am lucky. And my credit is certainly not perfect. They pulled EX with a Fico of 706 and then TU a day later which was 685 at the time. They sent me copies of the scores with a letter asking for my tax return (proof of income) and proof the business I work for existed. I wrote them back and sent them what they asked for and included a nice letter thanking them for considering my application and I even included some Japanese in it indicating that I was excited to start doing business with them, which is true. I called the LA office to follow up today and they recieved my documents and approved my app with a $2k credit line. So I would encourage others to recon if they are denied, they are very nice people and to call the LA office.
