I am in a bind..

[Raptor]

I can't believe the snap on or Mac trucks didn't give you credit through the company, if there was ever an easy place to get credit, they are it. I would run your credit report and make sure your clean, something is likely up. It may even be nothing you did, sometimes mistakes are made and it appears on your credit and of course the ever popular identity theft which is extrememly easy and common nowdays.