You have no inquiries affecting your FICO score. <------- see this part? does this means all of my INQ for past 24 months has fallen off? 
if so I might apply 1 more ... which bank uses EQ ? CS is 713 right here.. UTIL is around 10% ish. got BK reporting from 2008. no baddies since BK. here are those accounts I was able to open and manged it very well.
Discover, US Bank, a couple of Cap1, BOFA AU , 20K Auto loan ( 1K balance on it right now ) , WM Card, BestBuy Card... and couple of other ones not in my head at the moment.. I am open to all options and ideas. also I was the guy who started CSP topic awhile ago .. lets just say that didnt go over very well. so no chase cards for me until BK falls off, the recon guy I had got was pretty strict lol.
Congrats for having no inquiries in last 1 year. FICO donot count inq older than 1 year. Inquiries will fall off only at 2 year mark.
