If you get a letter in the mail offering you a loan don't do it!!! Their NOT loaning money. I have a 768 Fico score with a 20% debt to income ratio and was declined because of having 2 inquires in the last year. The same goes for Wells fargo I applied with them for a revolving line of credit. Wells Fargo, U.S Bank are other banks advertising but NOT loaning. Just wanted to save anybody the trouble and Hard inquiries on their Credit reports. BTW they did 3 different inquiries over 3 days.

BEWARE, BEWARE.