I would have to agree with the multiple credit pulls. My credit is at about the top and in the last month have attempted to open 4 accounts, 2 personal and 2 business credit cards which have been with another company that I have been with since 1992 to Citi Bank and was approved for the 1st three and denied on the 4th for too many new cards. I haven't had the time to call Citi yet about the 4th card yet but I will. No surprise to me about your husband even if he had a perfect score.