@ScoreSistah2
At this point we should discuss your next steps. I realize that early in this thread you said "I can live without the loan" but considering that you went through the expense of purchasing your 3-Bureau reports from MyFICO, and had your Experian credit scores pulled, I suggest that you call U.S. Bank and request reconsideration aka "recon" of their initial decision.
The number to call is Underwriting Services at 800-947-1444 during business hours. Use the prompts to speak directly with a customer service agent and tell them you would like a reconsideration of a recent loan application. They are very friendly but they will ask you specific questions about your credit history and the amount you want to borrow so be prepared to answer (remember though that they want your business and aren't looking for reasons to deny you). You will not get an instant answer from the person you speak with; they will place your application back into the queue for review by a fresh pair of eyes and you'll get an answer in 2-3 business days.
Given the fact that you've banked with them for over 15 years, and they are very much a "relationship" bank , the odds of approval after recon are very much in your favor. The credit pull they made is valid for 30 days so you might even be able to persuade them to use it to approve a credit card if not the loan.
