Originally Posted by
sthubbar
Yes, thank you. This is my intention in posting these threads and participating in this forum, to learn.
BTW, credit should be no problem. 10+ years average credit age, max 2 inquiries in last 2 years, 780+ Fico score on all credit bureaus, and good income.
I must give the impression I'm some young college graduate. I'll take that as a compliment.

No, you are given the impression that you have not lived in US for long time. And your 2 inquiries in last 2 years kind of confirming that...
Folks on this forum tend to have 10+ inquiries on their reports each year... all in the name of pursuing miles and points...