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I have been waiting for my TU to come up... in the last 4 months it's come up over 50 points, so today I applied 631 TU... Declined to do high debt load.... Kind of fair but a little irritated with CU since I have over 10 year history with them with car loan, 3 unsecured lines of credit... that didn't seem to matter today.
Sorry to hear that. Good luck!