AA = Adverse Action
lenders at times take adverse action when you run up balances, obtain multiple new accounts, significantly increase available credit in short period of time, etc. All of these factors represent risk and potential for defaults.
You are best served (IMO) with your circumstance going with CU's who tend to be more stable and less skitish....less AA.
The best CU's for initial CL's are NFCU and PSECU, but both have a limited field of membership. If you can qualify, I highly recommend them. They will provide more credit than anyone else for the same criteria. Addison Avenue would be next, then Alliant, then PenFed. I have also heard some good posts on Affinity.
