[preciousjeni]

I wasn't sure where to put this, so here it is. With everything that's going on economically, it can't hurt to have a spot for people to get their questions answered or to find resources.

I have potentially dumb questions, but I have to ask. I just purchased a credit report with scores through AMEX's CreditSecure and my scores across the three reporting agencies were the exact same number.

Question 1: Is that possible or did I get scammed?

Also, I applied for a line of credit to serve as overdraft protection on a new checking account. A few days later, I received a letter that said my credit score didn't qualify me for an extension of credit. That's why I purchased the report/scores today. I discovered that my score as of today is 796 (across the board, thus my first question). I thought that was pretty good, but I could be very, very wrong.

Question 2: Is it possible that my score isn't high enough for even a meager line of credit or could it be that this was a form letter that gets sent to everyone?

Help me, financial people!