I was just turned down a line of credit on my house at BOA. My fico scores are good ,good and verygood, I own my own house no morgage. I have my own buisness 2 years I was told the reason is that my credit scores history are less than 3 years, which is beacause i moved back to the states after 30 years abroud only 2and a half years ago. Anyone know of a bank that is more leniant with their requirements.