Guys-Any score about 700 is clear A+ credit 750 is AAA. Dont worry how the bureaus tell you the percentile. Nobody will turn you donw for credit with those scores. AMEX is flaky, very flaky. In order to get high lines for my Green card I got a three way call with my bank who verified average balances for me. I never bothered to upgrade to gold because there was no benefit to me. I call every 6 month on my Starwood account to get increases....Rob