Went to my CU today with my CR in hand to ask for some help in sorting out some complications that came up with my mortgage app with a different lender. I needed to find $27 in my backend DTI. I walked out with a signature loan to pay off a joint mortgage with a longer term/same interest rate, lowering my DTI. And, since I will no longer be on that house, they won't count the insurance/taxes against me either.
To top off a good day, while I was there, they looked at my Visa and raised my CL from $500 (back in my rebuilding days) to $3,000 and lowered my APR! It feels very "prime-al" to me. 
Hoping Lowes feels the same kind of love in October...
@thankfulheart wrote:Went to my CU today with my CR in hand to ask for some help in sorting out some complications that came up with my mortgage app with a different lender. I needed to find $27 in my backend DTI. I walked out with a signature loan to pay off a joint mortgage with a longer term/same interest rate, lowering my DTI. And, since I will no longer be on that house, they won't count the insurance/taxes against me either.
To top off a good day, while I was there, they looked at my Visa and raised my CL from $500 (back in my rebuilding days) to $3,000 and lowered my APR! It feels very "prime-al" to me.
Hoping Lowes feels the same kind of love in October...
YAY! congrats! 
-scott
Things change once your perceived risk goes down, long as debt isn't out of whack when income.
Starting Score: 675