Thanks rprisco... that’s great news that they worked with you that way. Does go to show that the higher your scores, the more they’re kinda look the other way at the smaller things at times. Will def take your advice and look into it more (both options) I only have 2 HP’s but my AAofA is only 3.5 yrs because I was overseas for 4-5 years and my USA accounts just lay dormant. I know now what to do to keep those active should I ever return. (My UK credit is better than my US credit lol. Crazy!). Anyway, I’ll look into it tomorrow and like I said gonna let one more PIF cycle go thru as that should bring my scores back up to where I was before my vacation.
@BoozeBaron I don't want to take this thread off-topic but if you're ever offered an installment loan with Amex they also don't require proof of income (at least I've not read of them requiring it so far).
I took one out last year, and it was the most painless loan experience I've ever had.