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but as of two weeks ago, my credit rating was (and is) 784!

Last I checked, several months ago, mine was 625...I think that put me in the 18th percentile. Not too good, in my opinion. About what percentile does a score of 784 put you in? Just curious.

The other day I receieved a "pre-approved" offer from American Express. I almost threw it away like all those other offers I get. I don't really need or want a charge card. But then I remembered that several years ago, I read that just carrying an American Express card can give your credit rating a big boost. Is this still the case? Regardless, against my better judgment, I returned it and got approved. Just wondered if this would help my rating or not.
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