Credit Reports and Scores

[Drolefille]

Ok, so first off you probably didn't get scammed if you bought it through AMEX.

Second off you should have been able to get a free credit report following the rejection of your credit for the checking account. That's pretty standard.

Assuming everything accurate on the report, credit's been tightened up a LOT recently and it may be less about your number and more about your history or something along those lines.