Ditto on the AMEX, nix on the Juniper with your decent scores, so so on HSBC.
Since this is your first non-secured, get something you will like for the duration... no annual fees, convertable, etc. The AMEX is good for that. I think they pull all 3 though.
I recommend WaMu... they seem to be pulling EX lately BUT usually had pulled TU and the occasional EQ in some instances. Your scores seem good enough regardless of what they pull on you.
They are BK friendly, so would probably be a bit more forgiving on those judgements IMHO. IF they have sent you a preapproval offer, take it.
EQ 787 EX 781 TU 737 11/17/07
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